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Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.
1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)
2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)
I don't know if it would be beneficial to have both or just one. Any advice or recommendations?
PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months
@SSA_2013 wrote:Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.
1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)
2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)
I don't know if it would be beneficial to have both or just one. Any advice or recommendations?
PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months
What cards do you have now?
@hutchj wrote:
@SSA_2013 wrote:Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.
1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)
2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)
I don't know if it would be beneficial to have both or just one. Any advice or recommendations?
PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months
What cards do you have now?
Chase Sapphire Preferred, Chase Freedom, Citi Forward, Citi Dividend, Discover More, Lowes, Capital One, and the Ring.
@SSA_2013 wrote:Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.
1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)
2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)
I don't know if it would be beneficial to have both or just one. Any advice or recommendations?
PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months
Nice touch and you placed it last to after I read everything Ha ha
Standing down continue your research lol
@myjourney wrote:
@SSA_2013 wrote:Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.
1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)
2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)
I don't know if it would be beneficial to have both or just one. Any advice or recommendations?
PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months
Nice touch and you placed it last to after I read everything Ha ha
Standing down continue your research lol
I knew you would like that. I don't want to get that taser or the gators
@SSA_2013 wrote:
@hutchj wrote:
@SSA_2013 wrote:Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.
1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)
2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)
I don't know if it would be beneficial to have both or just one. Any advice or recommendations?
PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months
What cards do you have now?
Chase Sapphire Preferred, Chase Freedom, Citi Forward, Citi Dividend, Discover More, Lowes, Capital One, and the Ring.
Personally, I can't comment on BML, but if you do a lot of shopping on Amazon then I guess that would be a good card. Keep in mind the APR is almost 26%. I know because I app'd, was approved, saw the APR & immediately closed it (plus I had read a couple of bad reviews speaking of them having billing issues).
When you say you don't know what you have as a credit line for BML, do you mean when you start out? My available credit and balance are always displayed. There are always quite a few 0% financing deals with stores that accept BML and there are a lot of stores that are accepted. Some of the things I've used the 0% financing for is electronics and all-inclusive vacations. The only way it seems you can get a CLI is to try to purchase something that is more expensive than what your current limit is. I did this twice and have a weird limit somewhere around $4416.
I also like Amazon's card but I haven't had an opportunity to use it for 0% financing. Since it is a GE card, it will grow fast.
@kimmiller112 wrote:When you say you don't know what you have as a credit line for BML, do you mean when you start out? My available credit and balance are always displayed. There are always quite a few 0% financing deals with stores that accept BML and there are a lot of stores that are accepted. Some of the things I've used the 0% financing for is electronics and all-inclusive vacations. The only way it seems you can get a CLI is to try to purchase something that is more expensive than what your current limit is. I did this twice and have a weird limit somewhere around $4416.
I also like Amazon's card but I haven't had an opportunity to use it for 0% financing. Since it is a GE card, it will grow fast.
I meant to say that with BML you have to attempt a purchase to see if it gets approved or not. I prefer having a set limit beforehand as the last thing I want is an inq just to get denied. So if I knew I had a decent starting CL it would be great. For example, if I knew they would give me a starting line of $3,500 I would know anything over that is a chance. I just don't want to apply for it...get a $500 limit and get an inquiry when I try for a $3,000 purchase. Hopefully it makes sense?
@09Lexie wrote:
Haha! I'm glad you know there's always one watching!
To answer your question, if you shop with Amazon I'd do that- GE, SP's for CLI's and sometimes they have the special financing.
I know I just imagine you and myjourney with the big ruler ready to swing at the hand that apps