Lesser Known Cards That You Keep

[CreditUp26]

I'm new with both of these cards so can's speak to quality quite yet but:

1. Signature FCU with its 2% Signature Visa card - anyone can join

2. Redstone FCU with 5%/3%/1.5% Signature Visa card - anyone can join

[NoMoreE46]

I believe my parents still have their AT&T Universe card.  Citi began issuing these cards in like the 1990s.

[Rdbeetle]

Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.

[ptatohed]

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@NoMoreE46 wrote:

I believe my parents still have their AT&T Universe card.  Citi began issuing these cards in like the 1990s.

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What does it offer?   

[ptatohed]

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@Rdbeetle wrote:

Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.

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That is not a downside, that's a deal-breaker.  Actually, a non-starter.  lol   

[NoMoreE46]

No benefits IIRC - it was just a standard credit card.  Back in the 90's,  AT&T, the long distance land line company, was a big  credit card issuer as well.  Citi bought the portfolio of ~ 13 million accounts in 1997. 

[Rdbeetle]

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@ptatohed wrote:

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@Rdbeetle wrote:

Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.

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That is not a downside, that's a deal-breaker.  Actually, a non-starter.  lol   

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You're absolutely right! Lol

It was a SP approval, so I thought why not?

[coldfusion]

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@Rdbeetle wrote:

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@ptatohed wrote:

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@Rdbeetle wrote:

Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.

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That is not a downside, that's a deal-breaker.  Actually, a non-starter.  lol   

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You're absolutely right! Lol

It was a SP approval, so I thought why not?

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The SP approval would appeal to some people though if there was a straightforward loophole to bypass the CU's restrictive membership requirement.

[Anonymous]

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@Rdbeetle wrote:

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It was a SP approval, so I thought why not?

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While SP approval is better than HP, there is still a hit to AAoA (somewhat offset by increased total credit)

[Heatt99]

Mine is: SECUMD Visa Signature 

* 3x on--Travel, Dining, Amazon, iTunes

* 2x on--Gas & Groceries 

Not the best on categories, but a lesser known fact about this CU and card Services:

* you can double dip on 1 HP

* you request your inital limit all the way up to 30k, they will counter

* you can pull entire limit in cash off card

I use it as a limit buffer.