You could also maybe apply for the FNBO Amex, currently being offered at 6.25% V? (There is also a recent thread here on the forum about it, as well?)
@Anonymous wrote:I want to add a low interest card... I currently use the heck out of my NFCU cash rewards card. I run from 4-10K a month through it and mostly PIF. Sometimes there is a 1-2K or so carry over from between when I make the payment and when the statement cuts, but I watch my utilization closely. I dont need a low rate card but reading here made me realize I should have one just in case I need to carry a balance.
I am considering just apping for a NFCU Platinum card. I want to make sure whatever I get has a high enough limit that if I have to carry a balance I am not freaked about utilization. I think NFCU would give a good limit, but I really don't know.
My scores in sig and accurate, and all the cards are also. The only installment loan I have is new, just reported and am sending off the first payment on Friday, 20K Auto loan. I have about 80K income and VERY little debt. I think the last time I reported income to NFCU I reported 68 or 70K (I always under promise).
I have one paid charge off, $87. It is suppose to be deleted but that fight is still in progress. I also have some slow on my Cap1 card from early 2012 (if only I read this board then!)
Any input on cards I should BOLO for?
Thanks for your input!
I would second the Barclaycard Ring. Although in my experience, Barclaycard is stingy with CL, they have a great APR and if you put 1000-2000 on it (and have a 3000 or 5000 limit), you should have no problem getting an auto-CLI. Another option is UFCU: https://www.ufcu.org/personal/cards/great-rate I want to make that my next card personally. Hopefully that helps.
