Coastal Big Ticket Card

[NJTurnpike]

Has anyone ever heard of this card?

https://www.coastal24.com/visa/big-ticket-card.htm

Standard APR is 18%, but for any single purchase of $600 or more, you get a 6 month apr of 0%. Wow! 

Not sure what the requirements were to join this CU, I couldn;t find any on their web site.

[myjourney]

Waring your monitor just went off Lol

[starry1]

The banking fees are ridiculous.

[NJTurnpike]

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@myjourney wrote:

Waring your monitor just went off Lol

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Just window shopping...geez. 

[c82wright]

I have this card and I love it! I've been waiting for someone here to mention it. The fact that I get 0% APR for 6 months and no fee balance transfers FOREVER (unless the terms change) is great. I only BT the amount I know I can pay off in 6 months. So between this card and NFCU I shouldn't have to pay BT fees ever again.  I usually use one of my rewards cards first to get the points/cash back and then do the BT to my Coastal card.

I've been a member since I was a kid because my dad worked for IBM. I found the membership form here https://www.coastal24.com/pdf/CubeMembershipAccountCard.pdf. If you're not an employee or member of certain organizations then you can join North Carolina Sustainable Energy Association (NCSEA) or North Carolina Consumer Council (NCCC)  for $18 membership. You can find the membership criteria by going to checking or savings like you're going to open an account and it shows the organizations.

Applying for the card was a bit of a pain. I did it over the phone with a rep and there was some kind of computer glitch and she had to re-enter my entire application. The nice thing is that when you apply they ask you what you want your limit to be and if it's too high, they'll counter offer.

[dodfire]

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@NJTurnpike wrote:

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@myjourney wrote:

Waring your monitor just went off Lol

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Just window shopping...geez. 

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Now thats funny!!!!! 

[kevinjjc]

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@NJTurnpike wrote:

Has anyone ever heard of this card?

https://www.coastal24.com/visa/big-ticket-card.htm

Standard APR is 18%, but for any single purchase of $600 or more, you get a 6 month apr of 0%. Wow! 

Not sure what the requirements were to join this CU, I couldn;t find any on their web site.

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This is an interesting card. I was actually looking at it a few months back... http://ficoforums.myfico.com/t5/Credit-Cards/50-Amazon-gift-card-for-app-ing/m-p/1767132/highlight/t...

[kevinjjc]

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@c82wright wrote:

I have this card and I love it! I've been waiting for someone here to mention it. The fact that I get 0% APR for 6 months and no fee balance transfers FOREVER (unless the terms change) is great. I only BT the amount I know I can pay off in 6 months. So between this card and NFCU I shouldn't have to pay BT fees ever again.  I usually use one of my rewards cards first to get the points/cash back and then do the BT to my Coastal card.

I've been a member since I was a kid because my dad worked for IBM. I found the membership form here https://www.coastal24.com/pdf/CubeMembershipAccountCard.pdf. If you're not an employee or member of certain organizations then you can join North Carolina Sustainable Energy Association (NCSEA) or North Carolina Consumer Council (NCCC)  for $18 membership. You can find the membership criteria by going to checking or savings like you're going to open an account and it shows the organizations.

Applying for the card was a bit of a pain. I did it over the phone with a rep and there was some kind of computer glitch and she had to re-enter my entire application. The nice thing is that when you apply they ask you what you want your limit to be and if it's too high, they'll counter offer.

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Do you mind sharing more details? What's your credit limit? I'm wondering if they are generous with credit limits.

[c82wright]

My limit is $5000, I didn't want to sound too greedy and I was in the middle of an app spree. When I applied I think my highest card at the time was $4000 with citi.  I haven't asked for a CLI since I got this card but I'm pretty sure it would always be HP since there's a loan officer reviewing your application and your credit. Also I know that in my most aggressive pay off plan I can pay off $2500 in six months. I know that's bad for util on one card, but it hasn't made my score drop.

Oh for the BT you have to use a paper application and fax it or mail it in. A little antiquated but it gets the job done. Let me know if you have any other questions.

[Mellon]

they are pretty conservative ...not as conservative as NCSECU but still very conservative