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Hi all
I just got mailers for
-ollo platinum MC : 24.65% apr , 0% apr 7mos bal transfer , no preapproval amt
-mercury rewards MC 26,65 % apr nothing else special but 2% cashback on all, preapproval $2000
my util is 0 to -low on all my cards (3 are in fact 0) and I'm loving the cashback rewards from Discover ($2k CL) so I'm tempted to bite the bullet for the mercury card becausei want cashback, but I like the 0% apr on purchases for 7 months and balance transfers. I also don't know if I really need more cards.
I'm rebuilding after a BK7 a year ago and so I'm interested in rebuilding the best way I can, not necessarily the fastest way. I keep trying to pc my new cap one to a QS but I get no love (too new I think, opened it last month)
what would you do? Trash them apps or press the button...?
Sorry mods if this is the wrong area to post this
thanks
Cap1 requires 3-4 months before you can PC.
They say ollo is a good card. I would app for it if I got an invite.
If I were to consider either of the two cards, it'd be the Ollo. I too have the mailer for Ollo platinum MC but have not pulled the trigger. I have invites within CK and Experian for both the Ollo platinum and the Ollo rewards cards. Also, if I recall correctly someone here said they received a rewards mailer after their platinum mailer.
At 2% I would take the Mercury card personally. High APR doesn't mean a thing if you PIF.
Ollo is not a bad card. It is a no AF so that's a plus. Good starting limit and CLI. If you are rebuilding, not bad to have although interest rates will be high. If you PIF, then the interest rates should not be a concern. Good luck
I would either go for the Mercury Rewards or try to get pre-approved for the Ollo Optimum. Its 2.5% cashback and it has 0% APR for purchases. I had received the Ollo Platinum mailer as well and I wasn't interested until I heard about the Ollo Optimum. I went and checked the cards offered on Experians site and on my first visit I saw the Optimum, applied and got approved. If its not popping up for you then check Credit Karma as well. If your not seeing it at all then I would go for the Mercury Rewards.
Thanks all.. I apped for both but Ollo denied me and Mercury loved me. This is in another thread
As the OP has indicated an approval for the Mercury card, this thread is now locked and closed to new messages.