topic Re: Design your own card at UMB zero for 18 in Credit Cards

Design your own card at UMB zero for 18

Anonymous — Sun, 28 Sep 2014 22:18:57 GMT

I like the rates on this visa platinum card. Lowest is 11.99.

You earn 2 x for gas, groceries and discount stores.

If anything, they are offering 18 months 0% APR on purchases AND BTs.

Is this a good deal?

https://www.umb.com/Personal/Banking/CreditCards/UMBVisaPlatinum/index.htm

Re: Design your own card at UMB zero for 18

B335is — Sun, 28 Sep 2014 22:25:20 GMT

The rewards are average, there's better options for gas and groceries. It looks like 2,000 points = $20 statement credit, so you're getting 2% on those categories. Pretty standard 3% BT fee, the 18 months at 0% is nice. There is also a 2% FTF fee.

Re: Design your own card at UMB zero for 18

Creditaddict — Sun, 28 Sep 2014 23:29:27 GMT

I applied

Re: Design your own card at UMB zero for 18

B335is — Sun, 28 Sep 2014 23:40:55 GMT

@Creditaddict wrote:
I applied

.....and???

Re: Design your own card at UMB zero for 18

Creditaddict — Sun, 28 Sep 2014 23:41:27 GMT

@B335is wrote:
@Creditaddict wrote:
I applied
.....and???

i think they are manual type folks!

Re: Design your own card at UMB zero for 18

B335is — Sun, 28 Sep 2014 23:45:26 GMT

@Creditaddict wrote:
@B335is wrote:
@Creditaddict wrote:
I applied
.....and???
i think they are manual type folks!

Crap. I saw on the pulls someone got instant approved. The limits are decent.

Re: Design your own card at UMB zero for 18

Creditaddict — Sun, 28 Sep 2014 23:46:31 GMT

@B335is wrote:
@Creditaddict wrote:
@B335is wrote:
@Creditaddict wrote:
I applied
.....and???
i think they are manual type folks!
Crap. I saw on the pulls someone got instant approved. The limits are decent.

oh then maybe im denied... CRAP!

Re: Design your own card at UMB zero for 18

Anonymous — Sun, 28 Sep 2014 23:46:59 GMT

@Creditaddict wrote:
@B335is wrote:
@Creditaddict wrote:
I applied
.....and???
i think they are manual type folks!

Keep us posted on the results. I'm curious as to what kind of CL they will offer you.

Re: Design your own card at UMB zero for 18

B335is — Sun, 28 Sep 2014 23:49:29 GMT

Oops, it was for GEMB Lumber Liquidators. You still have a chance CA.

Re: Design your own card at UMB zero for 18

Creditaddict — Sun, 28 Sep 2014 23:50:04 GMT

@B335is wrote:
Oops, it was for GEMB Lumber Liquidators. You still have a chance CA.

stupid... LOL

Re: Design your own card at UMB zero for 18

B335is — Sun, 28 Sep 2014 23:51:57 GMT

@Creditaddict wrote:
@B335is wrote:
Oops, it was for GEMB Lumber Liquidators. You still have a chance CA.
stupid... LOL

I searched by UMB

Re: Design your own card at UMB zero for 18

Ghoshida — Mon, 29 Sep 2014 00:48:53 GMT

@B335is wrote:
The rewards are average, there's better options for gas and groceries. It looks like 2,000 points = $20 statement credit, so you're getting 2% on those categories. Pretty standard 3% BT fee, the 18 months at 0% is nice. There is also a 2% FTF fee.

Citi with its DC has changed the market for almost all cards that offer 2% or less. For me, Quicksilver is still a good competition to DC because of its hassle-free rewards and no-FTF. But any other card, offering <=2% rewards (i.e. 2% on some categories, less on others), FTF, and a min limit for points redemption sounds inferior to Citi.

Unless Citi has something dicey with its 1%+1% system.

Re: Design your own card at UMB zero for 18

joltdude — Mon, 29 Sep 2014 01:16:16 GMT

The only thing dicey on the double cash so far is the abysmal starter CLS some folks seem to be getting

Re: Design your own card at UMB zero for 18

14Fiesta — Mon, 29 Sep 2014 01:21:47 GMT

@Ghoshida wrote:
@B335is wrote:
The rewards are average, there's better options for gas and groceries. It looks like 2,000 points = $20 statement credit, so you're getting 2% on those categories. Pretty standard 3% BT fee, the 18 months at 0% is nice. There is also a 2% FTF fee.
Citi with its DC has changed the market for almost all cards that offer 2% or less. For me, Quicksilver is still a good competition to DC because of its hassle-free rewards and no-FTF. But any other card, offering <=2% rewards (i.e. 2% on some categories, less on others), FTF, and a min limit for points redemption sounds inferior to Citi.

Unless Citi has something dicey with its 1%+1% system.

The DC has no FTF?

Re: Design your own card at UMB zero for 18

Ghoshida — Mon, 29 Sep 2014 01:49:51 GMT

@14Fiesta wrote:
@Ghoshida wrote:
@B335is wrote:
The rewards are average, there's better options for gas and groceries. It looks like 2,000 points = $20 statement credit, so you're getting 2% on those categories. Pretty standard 3% BT fee, the 18 months at 0% is nice. There is also a 2% FTF fee.
Citi with its DC has changed the market for almost all cards that offer 2% or less. For me, Quicksilver is still a good competition to DC because of its hassle-free rewards and no-FTF. But any other card, offering <=2% rewards (i.e. 2% on some categories, less on others), FTF, and a min limit for points redemption sounds inferior to Citi.

Unless Citi has something dicey with its 1%+1% system.
The DC has no FTF?

DC has FTF; that's why I still put QS ahead of DC in some areas.

But if you're comparing any other card, like the UMB one, with DC, both have FTF while DC has equal or better rewards.

Re: Design your own card at UMB zero for 18

sandman2435 — Mon, 29 Sep 2014 01:53:38 GMT

UMB Is VERY INQ SENSITIVE!!!

Re: Design your own card at UMB zero for 18

Anonymous — Mon, 29 Sep 2014 01:56:02 GMT

@sandman2435 wrote:
UMB Is VERY INQ SENSITIVE!!!

Was it your personal experience?

What is considered too much when it comes to inquiries?