Help on New Card

[Anonymous]

Discover It and the Amex BCE will have 0% interest for 12 months. The BCE will also have $100 bonus.

You could look into the Citi Diamond Preferred as well for 18 months of 0% interest.

[iwant700fico]

Actually received an offer in mail from CITI diamond ,some sort of preslection letter. I just didn't want waste the INQ if  I dont meet their criteria. Does CITI aknowledge AU history ?

[09Lexie]

Cap one for newcomers
Discover IT for rewards and 0% promo
Walmart for free TU and GE CLI

None of these really have a low int rate (Discover has the promo if you qualify) but its not a bad line up. If you keep your balances low or PIF the APR won't be a factor.

Are you a member of a CU?

[09Lexie]

Citi is really an iffy suggestion. I would have said Citi Simplicity or Diamond but their recon is not good at all. You don't have a lot if inq's so one will not hurt if you decide and they decline you.

[Anonymous]

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@09Lexie wrote:
Cap one for newcomers
Discover IT for rewards and 0% promo
Walmart for free TU and GE CLI

None of these really have a low int rate (Discover has the promo if you qualify) but its not a bad line up. If you keep your balances low or PIF the APR won't be a factor.

Are you a member of a CU?

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I'm going to second the last bit of Lexie's post.

A good CU will generally give you a larger CL and lower interest than a CC from a bank.

[iwant700fico]

yes kinetica credit union.

[09Lexie]

CUs have always been a better source for cc's - lower rates and usually higher CL. I would start there.

[iwant700fico]

Thats for all you inputs. Credit union it is.