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I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current mix of cards I have (really want to upgrade my US Bank CC to cash+)
I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.
Barclaycard Ring
-APR is Prime +4.75
-No Balance transfer/annual fee
-Cash advance fee is $1
-FTF 1%
DCU Platinum Visa
-APR 8.5%-18.00%
-No Balance Transfer/annual fee
-No cash advance fee
-FTF 2%
I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked. Not sure if I can get back in with them or not. Thoughts suggestions and comments are encouraged and welcomed.
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
aparently no one cares about non-reward cards here! lol
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
You could just open cards with 12-18 month 0% APR periods every year or so and/or balance transfer to the Chase Slate card (0% APR for BTs for some period, no BT fee) if you have a big balance.
I don't know too much about general low-APR cards. I'd imagine credit unions are good for those.
@zyzzus wrote:I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current mix of cards I have (really want to upgrade my US Bank CC to cash+)
I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.
Barclaycard Ring
-APR is Prime +4.75
-No Balance transfer/annual fee
-Cash advance fee is $1
-FTF 1%
DCU Platinum Visa
-APR 8.5%-18.00%
-No Balance Transfer/annual fee
-No cash advance fee
-FTF 2%
I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked. Not sure if I can get back in with them or not. Thoughts suggestions and comments are encouraged and welcomed.
So the trouble is with the APR range for DCU. 8.5% is a good APR, 18.00% not so much, lots of rewards cards around there. So you would need to know what range of APR you might get, and how long it might stay there.
You can also look into opening a Citi credit card. As long as you keep it in good standing there is constant 0% BT (sometime 0% purchase) offer.
@zyzzus wrote:I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current mix of cards I have (really want to upgrade my US Bank CC to cash+)
I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.
Barclaycard Ring
-APR is Prime +4.75
-No Balance transfer/annual fee
-Cash advance fee is $1
-FTF 1%
DCU Platinum Visa
-APR 8.5%-18.00%
-No Balance Transfer/annual fee
-No cash advance fee
-FTF 2%
I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked. Not sure if I can get back in with them or not. Thoughts suggestions and comments are encouraged and welcomed.
Just came across your post and found it interesting.
What did you wind up doing? I have been researching low APR cards lately. I have found some good ones.