topic Capital One® Platinum Prestige or Discover It in Credit Cards

Capital One® Platinum Prestige or Discover It

Anonymous — Thu, 31 Jul 2014 14:16:15 GMT

I am looking to get a credit card with a 0% intro rate for around 12-18 months. I need it to pay for something that I know will be paid off within the time frame.

Is the capital one platinum prestige a good card? What about Discover It?

Anyone have any other suggestions for a good card that has 0% intro for 12-18 months?

My transunion is 767.

Re: Capital One® Platinum Prestige or Discover It

MT936 — Thu, 31 Jul 2014 14:19:48 GMT

the discover it is a great card for the intro 0% apr and you also get your fico score free every month which is a great bonus

Re: Capital One® Platinum Prestige Credit Card

Closingracer99 — Thu, 31 Jul 2014 14:21:56 GMT

@Anonymous wrote:
I am looking to get a credit card with a 0% intro rate for around 12-18 months. I need it to pay for something that I know will be paid off within the time frame.

Is the capital one platinum prestige a good card?

Anyone have any other suggestions for a good card that has 0% intro for 12-18 months?

My transunion is 767.

Personally I would choose somebody else other then Capital one .... That is a decent card but a Rewards card is better specially if you don't mind a higher APR% after the 0% intro

Discover It - 14-18 months 0% APR offers ( Amazon offers both I think and you get a $75 Amazon gift card if you app through Amazon.com which then sends you to Discover)

http://www.amazon.com/Discover-18-Month-Balance-Transfer/dp/B00AWI76KW/ref=sr_1_19?s=financial&ie=UTF8&qid=1406816254&sr=1-19&keywords=amazon+gift+card

Citi Thank you preferred card - 0% APR 12 Months

Chase Freedom: 15 month 0% APR

American Express BCE, Every day cards : 0% APR for 15 months

those are to name a few ...

Re: Capital One® Platinum Prestige Credit Card

Anonymous — Thu, 31 Jul 2014 14:24:18 GMT

Thanks for the suggestions! I started doing a little more research and seeing such horrible reviews for Capital One. I am leaning towards Discover.

I just paid off my last credit card. Right now it's showing a 14% utilization rate, but once it updates I will have 0%.

Will my score drop or go up?

Re: Capital One® Platinum Prestige Credit Card

Closingracer99 — Thu, 31 Jul 2014 14:34:34 GMT

@Anonymous wrote:
Thanks for the suggestions! I started doing a little more research and seeing such horrible reviews for Capital One. I am leaning towards Discover.

I just paid off my last credit card. Right now it's showing a 14% utilization rate, but once it updates I will have 0%.

Will my score drop or go up?

the only reason I got a Capital one card is because I like the QS 1.5% cash back ... Just using it for small purchases myself.

Personally I don't think a credit card is worth having if I am required to contact the EO or Facebook team no matter how nice they are ( their FB team is Nice from my experience) to get anything done like a CLI.

There was a post I made where they did send somebody a free Keyboard and not a cheap one either a Apple keyboard because somebody dropped orange juice on their's and couldn't pay thair bill since the 2 key couldnt work

Re: Capital One® Platinum Prestige Credit Card

kalani91 — Thu, 31 Jul 2014 18:00:41 GMT

I would choose discover and it's not close...

Re: Capital One® Platinum Prestige Credit Card

Anonymous — Thu, 31 Jul 2014 18:52:11 GMT

@Anonymous wrote:
Thanks for the suggestions! I started doing a little more research and seeing such horrible reviews for Capital One. I am leaning towards Discover.

I just paid off my last credit card. Right now it's showing a 14% utilization rate, but once it updates I will have 0%.

Will my score drop or go up?

Could go either way. FICO scores tend to drop if all accounts report 0%. It's best if you can have all of them at 0 and only one card reporting 1-9% of that card's limit.

Re: Capital One® Platinum Prestige Credit Card

Skye12329 — Thu, 31 Jul 2014 21:09:06 GMT

Discover or Chase for 0% intro rate both come with rewards vs cap1 card.