I have 2 questions.

[creditconcept]

Hello All,

First question, does anyone have a Freedom card with an EMV? Does it still have embossed account numbers, or are they inked on?

Second question, can anyone recomend a bank they have a Personal line of credit with. Any recomendations? citibank? wells fargo? What do you like about your PLoC?

Thanks!

[ray8806]

I can only answer the first one.

I just got a Freedom card last week and it has an EMV chip. It does have the embossed numbers still.

[Anonymous]

If you don't mind the question, why do you want a personal line of credit? Generally, they come with pretty high rates, so I'd advise against it if it isn't absolutely necessary. 

[NRB525]

I'm waiting for my EMV Freedom.

I just opened a LOC with my Credit Union "just because" and the interest rate is 10.9% (would be lower except for high utilization). So far appears to be no fees to take a draw, and $8k of "just because" money is nice to borrow and pay back to get that on my credit report.

[Anonymous]

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@creditconcept wrote:

Hello All,

First question, does anyone have a Freedom card with an EMV? Does it still have embossed account numbers, or are they inked on?

Second question, can anyone recomend a bank they have a Personal line of credit with. Any recomendations? citibank? wells fargo? What do you like about your PLoC?

Thanks!

---

Embossed.

No PLoC here.

[Anonymous]

My Freedom has an EMV chip and raised numbers. I'm not sure how useful the EMV chip is considering it has 3% foreign transaction fee.

[creditconcept]

Need $3000 next month to cover the remainder of my tuition, I have a Freedom and a BoA both for $3000, but they have 23% Apr on both of them. I will need to revolve the 3k for a few months, and would like to pay as little interest, hence my reasoning behind the PLoC. Unless you all have different advice?

[SGR]

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@creditconcept wrote:
Need $3000 next month to cover the remainder of my tuition, I have a Freedom and a BoA both for $3000, but they have 23% Apr on both of them. I will need to revolve the 3k for a few months, and would like to pay as little interest, hence my reasoning behind the PLoC. Unless you all have different advice?

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It's might be too late to apply but have you considered financial aid? Depending on your situation pell grants would cover most, if not all of the $3,000. You can also get student loans from the government which (correct me if I'm wrong) are at 3.4% interest right now.