Good Credit Again

JoeyBatters · ‎11-19-2024

@FicoMike0 wrote:
@Varsity_Lu
Good point, I didn't think of that.
I suppose I should point out nfcu had some good cards, since everyone loves navy. If you're eligible to join. I just got their flagship card, violating my general rule against fee cards. It's $49, but comes with free prime. Also, a $400 sub for $3500 spend. I guess it's sort of a premium card.
Here's the index to the best for everything lists,
https://www.doctorofcredit.com/credit-cards/best-credit-cards/

I mean 50$ is kinda worth it for prime tbh.

Thanks for that link, ill keep that saved.

ptatohed · ‎11-19-2024

@FicoMike0 wrote:
@Varsity_Lu
Good point, I didn't think of that.
I suppose I should point out nfcu had some good cards, since everyone loves navy. If you're eligible to join. I just got their flagship card, violating my general rule against fee cards. It's $49, but comes with free prime. Also, a $400 sub for $3500 spend. I guess it's sort of a premium card.
Here's the index to the best for everything lists,
https://www.doctorofcredit.com/credit-cards/best-credit-cards/

I'm in the process of joining / applying and breaking my general rule of no AFs too Mike. But, for clarity, it's not exactly 'free Prime'. It won't cover the tax.

[ Signature in dire need of updates. It's on my to-do list.

]

5% CB rotating:

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Everyday 3% CB:

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Everyday 5%:

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Companion Card:

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Everyday 2.2% CB:

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Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

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On my radar:

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Still Waiting for an Invite:

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No hope:

mgood · ‎11-20-2024

@JoeyBatters wrote:

Whats it like havin a premium card?

Expensive if you don't use it enough to get value out of it. Most cards that are considered "premium" will have an annual fee. You have to do the math to determine if you will get enough rewards, points, coupons, or services from this card to justify the fee. Some of them waive the annual fee for the first year, and many offer sign-up bonuses that more than cover the fee. That gives you a year to decide if the card is valuable to you or if you should downgrade or cancel it.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$17,400 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Rewards+ World Mastercard 11/24

$27,000 American Express Blue Cash Preferred 04/24

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 763, TU8 757, EX8 769 as of May 1

AZE11 - 6% Utl - New Cards: 2/6, 2/12, 5/24

Tiggr · ‎11-20-2024

I want to clarify that the NFCU flagship is a good card but you will most likely not be approved for it in your situation, especially not as your first NFCU product most likely

Start

Current

Student Loans=$35000, getting more

26k car loan @ 6.5%

Varsity_Lu · ‎11-20-2024

@FicoMike0 wrote:
I just got their flagship card, violating my general rule against fee cards. It's $49, but comes with free prime. Also, a $400 sub for $3500 spend. I guess it's sort of a premium card.

Looks like the free Prime is only good for the first year you have the card. Is that correct?

FICO® 8: 806 (Eq) · 794 (Ex) · 812 (TU)