Cards you should absolutely avoid

[Anonymous]

Lol yeah looking back I wouldn't have app'd for the Chase Amazon card. I'm surprised Chase hasn't done anything to make that card more attractive.

[Anonymous]

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@Anonymous wrote:
Lol yeah looking back I wouldn't have app'd for the Chase Amazon card. I'm surprised Chase hasn't done anything to make that card more attractive.

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If anything they like to make it looks less attractive. 

I remember when Chase was doubling the 5% category for their Freedom card members on Amazon purchaes  while the Amazon.com card members were still sitting at 3% cash back. The only Chase has ever done for its cardmembes who own the Amazon.com card is give them Visa Signature benefits with NPSL. 

[Anonymous]

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@Anonymous wrote:

For those who have bad credit, join Navy Federal Credit Union through the Navy League and get their secured rewards card which has no annual fee, a 1 point per dollar spent rewards program with additional rewards through their member portal, a 9.24%-18% interest rate, and no annual/foreign/transaction fees. Why would you pay $99 a year for a card that'll charge you for simply requesting a new design, or charge you a 35% interest rate without a rewards program? Ludicrous. Since Navy is pretty lax on their credit standards I'm sure anyone with a credit score above 500 can get one. 

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How does this work?  I found both websites.  Navy League is a $25 eMembership.  When I look at NFCU's website it doesn't give "membership in Navy League" as a choice to be qualified to be a member.

Edited to add: That it does allow for PenFed membership, along with USAA (which might make it worth it!).  But nothing on the website about NFCU.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

For those who have bad credit, join Navy Federal Credit Union through the Navy League and get their secured rewards card which has no annual fee, a 1 point per dollar spent rewards program with additional rewards through their member portal, a 9.24%-18% interest rate, and no annual/foreign/transaction fees. Why would you pay $99 a year for a card that'll charge you for simply requesting a new design, or charge you a 35% interest rate without a rewards program? Ludicrous. Since Navy is pretty lax on their credit standards I'm sure anyone with a credit score above 500 can get one. 

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How does this work?  I found both websites.  Navy League is a $25 eMembership.  When I look at NFCU's website it doesn't give "membership in Navy League" as a choice to be qualified to be a member.

Edited to add: That it does allow for PenFed membership, along with USAA (which might make it worth it!).  But nothing on the website about NFCU.

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@Anonymous wrote:

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@Anonymous wrote:

For those who have bad credit, join Navy Federal Credit Union through the Navy League and get their secured rewards card which has no annual fee, a 1 point per dollar spent rewards program with additional rewards through their member portal, a 9.24%-18% interest rate, and no annual/foreign/transaction fees. Why would you pay $99 a year for a card that'll charge you for simply requesting a new design, or charge you a 35% interest rate without a rewards program? Ludicrous. Since Navy is pretty lax on their credit standards I'm sure anyone with a credit score above 500 can get one. 

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How does this work?  I found both websites.  Navy League is a $25 eMembership.  When I look at NFCU's website it doesn't give "membership in Navy League" as a choice to be qualified to be a member.

Edited to add: That it does allow for PenFed membership, along with USAA (which might make it worth it!).  But nothing on the website about NFCU.

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Private message me and we can discuss it in detail and I'll give you a few pointers.

[Anonymous]

Thank you, I responded back to you.  I reallyappreciate your help!

[Anonymous]

I agree with Tricie17. Don't discount all cards. It's all about use until you graduate to the next level. Sometimes you just have to pay extra to play in the field.

[joltdude]

You know what i find interesting... The Sync Amazon Prime (Amazon Store) card offers some rather tasty deals.... its one of the few places id probably go for a store card over the Chase card....

Though Sync...

(eyeroll)

[Anonymous]

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@Anonymous wrote:
Lol yeah looking back I wouldn't have app'd for the Chase Amazon card. I'm surprised Chase hasn't done anything to make that card more attractive.

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I second this. Really wish Chase would do something with it. I am currently using the 5% Discover IT Amazon benefits and when the quarter ends I'll switch over to the store card. I really only keep the Chase card around incase they decide to do something with it or better yet if they discontinue the product line so I can PC to Freedom. Oh and I suppose also if ever I need the extended product warranties while Discover is off. SD for now.

[washington12]

I have a few good cards now, but I still have credit one I call once a year and they waive the fees. When they stop waiving is when I'll close it.

[Anonymous]

Has anyone said Wells Fargo yet?