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What's the BEST card in your wallet?

tag
hopeagain
Contributor

What's the BEST card in your wallet?

Hi All,

I was just paying my credit cards and comparing intrest rates & limits. Here is my list starting from the best.:

 

Wells Fargo   9 %             8000 limit.     Just got the card

Capt one       16.40 %     500 limit         05

BOA               17.99%      2500 limit       05

HHB               19.99%      900 limit         06

Sams Club     22.15%     2000 limit      08  (for some strange reason I use this card the most)

 

I had another HHB with 14.74 %  950 limit but they dropped me for non use. I also got a offer from Discover for 11%  with 15000 limit. I havent accepted it "yet".

Message 1 of 20
19 REPLIES 19
joestay
Frequent Contributor

Re: What's the BEST card in your wallet?

My best is costco amex which has a 2k limit.  My cap1 sucks cuz it's stuck at $750 limit.  That's all I have.

Message 2 of 20
hopeagain
Contributor

Re: What's the BEST card in your wallet?

My Capt one is also stuck. It started at $300 and went to 500. I tried to raise it but they said no. It is my 2nd card that I got when rebuilding so I guess it helped that way..

Message 3 of 20
SEACOASTNHMAN
Member

Re: What's the BEST card in your wallet?

Junk

 

2 first primer cards 1 @ 9.9 250cl,  other @ 19.99 350cl, why no clue

1 HHB 300cl @ 14.9

 

i gotta do better at some point just need to wait

 


Starting Score: 582
Current Score: 670
Goal Score: 750


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Message 4 of 20
Anonymous
Not applicable

Re: What's the BEST card in your wallet?

For me I'm thinking it's my newest card, Discover More with $4k. I did just receive an AMEX gold which has no preset limit, but I'm thinking the Discover More will do more for me in the long run.

Message 5 of 20
Anonymous
Not applicable

Re: What's the BEST card in your wallet?

local CU 1000 @ 9.9  since 10-09

JCP   1800 since 12-09

Cap1  750 since 1-10

HSBC BB  800 since 10-07

HSBC Sears 300 since 2-08

 

gonna ask the CU for an increase since I topped 700 on my report this month Smiley Happy

 

HSBC cards are going to be gone.  Sears has never increased my limit and they both are upping their fees.

Message 6 of 20
Anonymous
Not applicable

Re: What's the BEST card in your wallet?

Lexus $8400 @ 13.99%. 1.5% rewards (5% for spending at dealers) is pretty good to have toward service I'm going to have to get anyway.

 

HSBC's been close to the default rate for years now at 27.99%, and no signs of a CLI either. I'd let the card die off if it weren't my oldest major card, so I just use it enough to keep it active.

 

JCP's my oldest by a long margin. Bumped my limit from $200 to $2400 a couple months back. In turn, they're receiving my business, at the expense of Kohl's. I'm not sure whether I'll keep Kohl's around or not. If I do, it's a waste to keep it in my wallet. Maybe keep it around for the occasional online purchase, but the $600 limit that's not going to grow much if at all is not particularly appealing.

Message 7 of 20
fused
Moderator Emeritus

Re: What's the BEST card in your wallet?

FIA Fidelity Platinum Visa with a 35K CL

Message 8 of 20
Anonymous
Not applicable

Re: What's the BEST card in your wallet?

SCHWAB 2% cashback card..........

Message 9 of 20
Macroman
Regular Contributor

Re: What's the BEST card in your wallet?

CU card 10.9% with 1500 CL

Message 10 of 20
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