Best Strategy for Next App Spree?! Please HELP

[Girlzilla88]

OK GREAT TY      Now that one is covered lol.      Any thoughts on the rest?

[Girlzilla88]

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@Anonymous wrote:

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@Girlzilla88 wrote:

Now to figure out the rest XD

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If you want to keep your apps down, get your Sync cards, get cashRewards and choose mastercard instead of VISA, get Platinum or More Rewards at 91/3. 

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I know I definitely don't want to be over 9 cards total so I may do that and leave my last spot open for a 'can't resist or special card' down the line LOL

[kerplunk]

Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity

Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.

[Girlzilla88]

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@kerplunk wrote:

Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity

Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.

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I know for sure I would want the Car care card from them and the Care Credit from them seems like a good option as well since I have read great reviews on both      I have a pretty big car collection?!     Well not really only 4 cars and as we all know they can be pretty pricey and I know that card will come in great handy lol.     The Care part will come in handy for the super emergency times so I don't wind up in the situation I was in end of last year where I had to break my Garden smh.    (yes I am still a little butt hurt) Haha.     I have read up and read up on all these cards just like I did with the FU and CashMag card to make sure it's a good direction/add to my wallet so to speak

[Girlzilla88]

BUT side note if you can recommend a better card/replacement I would be open

[spiritcraft1]

Join yesterday!  You have a gift in having an in and need to snatch that ASAP.

[Girlzilla88]

LOL LOL LOL YES SIR/MAM!!!!  XD

[kerplunk]

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@Girlzilla88 wrote:

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@kerplunk wrote:

Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity

Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.

---

I know for sure I would want the Car care card from them and the Care Credit from them seems like a good option as well since I have read great reviews on both      I have a pretty big car collection?!     Well not really only 4 cars and as we all know they can be pretty pricey and I know that card will come in great handy lol.     The Care part will come in handy for the super emergency times so I don't wind up in the situation I was in end of last year where I had to break my Garden smh.    (yes I am still a little butt hurt) Haha.     I have read up and read up on all these cards just like I did with the FU and CashMag card to make sure it's a good direction/add to my wallet so to speak

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For my own knowledge, would you mind sharing what benefit Car Care offers you? (Besides a stunning 29.99% APR, haha...)

[Girlzilla88]

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@kerplunk wrote:

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@Girlzilla88 wrote:

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@kerplunk wrote:

Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity

Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.

---

I know for sure I would want the Car care card from them and the Care Credit from them seems like a good option as well since I have read great reviews on both      I have a pretty big car collection?!     Well not really only 4 cars and as we all know they can be pretty pricey and I know that card will come in great handy lol.     The Care part will come in handy for the super emergency times so I don't wind up in the situation I was in end of last year where I had to break my Garden smh.    (yes I am still a little butt hurt) Haha.     I have read up and read up on all these cards just like I did with the FU and CashMag card to make sure it's a good direction/add to my wallet so to speak

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For my own knowledge, would you mind sharing what benefit Car Care offers you? (Besides a stunning 29.99% APR, haha...)

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Sure it's something my local mechanic accepts so if I ever needed 'more expensive work done' I have the option to do 6 months 0% interest and it offers perks for gas, tire places, etc too

[kerplunk]

Ah, thanks for that explanation. Just make sure that you would be able to pay it off in 6 months, because 30% APR isn’t fun! If it were me, to be completely honest, I wouldn’t bother with a card like that. The odds of you running into a specific situation like that are hopefully slim, but if it did happen, put it on your Chase card. The interests cost would be negligible. Your time would be best spent on doing the best things for your credit profile so that your scores increase, resulting in lower APRs. As many have mentioned, apply to Navy Federal, and then get the Platinum card to use for emergencies where you don’t have the funds to pay for it. That card has a very low APR.

Best of luck!