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Any of my Chase UR cards, CSP, Pd, Freedom. Though if it was a "real" emergency, I doubt I would care what rewards I was getting.
USAA, high CL, low APR.
@B335is wrote:My gorgeous Duck card! Decent limit, low APR, looks to kill
Backup is the cash stuffed between my mattresses at home.
*checks mattress*
Awwwwww mine is empty =/
Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013) Starting total revolving credit: $0 | Current total revolving credit: $1600.00 Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013 | Mechanically Sound Car | Fifth Third $300 U.S. Bank Harley Davidson $300 Capital One Platinum $500 2nd Capital One Platinum $500 |
Most of my cards can handle most emergencies I can think of. If I am thinking about utilization/APR/carrying a balance, I'd probably go with the NFCU cashRewards ($25k CL/9.x APR IIRC), and it would get paid off ASAP with the emergency fund, sold investments, etc.
All of them, especially USAA, high CL and 7.5% APR with rewards.
Theoretically my PRG is my emergency card because it has no PSL, however my Delta card has my highest revolving limit and carries no balance so that technically is my emergency card.
@somnipotent wrote:Theoretically my PRG is my emergency card because it has no PSL, however my Delta card has my highest revolving limit and carries no balance so that technically is my emergency card.
Have you considered that not all merchants take AMEX? Also, even though it's NPSL, it can be declined for abnormally high charges. I'd stick with known limit cards that most merchants take for an emergency card.
As for me, my 5K NFCU goRewards MasterCard. I keep it in my glovebox for all types of emergencies, including losing my wallet and whatnot. I also have a 15K NFCU LOC, but I can't imagine what kind of emergency would require that much money that insurance doesn't cover. Maybe getting out of jail?
Citi Diamond Preferred. Highest limit with 0% for 16 more months.