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@Adkins wrote:
@the_jan_b wrote:
@Adkins wrote:First - Montgomery Wards, department store 1997. I don't think they exist anymore.
Best - Discover It or Blispay, for different reasons
Worse - Synchrony Discount Tire Card, can't get a CLI (**bleep** FINGERHUT gave me a CLI for crying out loud!)
Wish list - Chase Freedom, for the rotating categories
Riding my Unicorn - CSP, as I don't travel enough to warrant the CSR
Actually, they still exist; but only online. I've had an account with them since 2004.
Whoa, I had no idea about that! Thanks! 😀
Okay, so I am going to be that guy (know-it-all) but technically, the real Montogmery Ward filed bankruptcy in 2001 and officially went out of business. In 2004 a strange catalog company based in Iowa purchased the Montgomery Ward name and a version of the 1980s Montgomery Ward logo to be reused on an online and catalog business. The real Montomgery Ward that went out of business in 2001 and the revived online/catalog version share only the name and are not the same company.
First Card: Best Buy Visa $750 SL 02/16. Limit hasn't budged since.
Best Card: Toss up btw ClearPoints Visa because of the SL of $5,000 & my Cap 1 QS because it earns rewards. I like my Target store card better than both of them though. Lol
Worst Card: First Premier, for lots of obvious reasons.
Wish Card: I just want to get in the door with Chase anywhere! Lol.
@AverageJoesCredit wrote:
Monkey Wards, good memories as a kid going to eat with my grandpa
LOL I didn't realize they had restaurants...none of the ones in Denver had that. We did have a Woolworth's at Villa Italia Mall in Lakewood that had the restaurant. Oh lord am I old!
First Card: Capital One (opened 1998 - closed in the mid-'00s)
Best Card: Bank of the West Cash Back Mastercard (current)/Salle Mae World Mastercard (defunct)
Worst Card: Best Buy and Gap store cards (both closed)
Wish Card: possibly the Amazon Prime Visa card, although I don't want to apply for anymore credit
@Adkins wrote:@the_jan_b wrote:@Adkins wrote:First - Montgomery Wards, department store 1997. I don't think they exist anymore.
Best - Discover It or Blispay, for different reasons
Worse - Synchrony Discount Tire Card, can't get a CLI (**bleep** FINGERHUT gave me a CLI for crying out loud!)
Wish list - Chase Freedom, for the rotating categories
Riding my Unicorn - CSP, as I don't travel enough to warrant the CSR
Actually, they still exist; but only online. I've had an account with them since 2004.
Whoa, I had no idea about that! Thanks! 😀
Okay, so I am going to be that guy (know-it-all) but technically, the real Montogmery Ward filed bankruptcy in 2001 and officially went out of business. In 2004 a strange catalog company based in Iowa purchased the Montgomery Ward name and a version of the 1980s Montgomery Ward logo to be reused on an online and catalog business. The real Montomgery Ward that went out of business in 2001 and the revived online/catalog version share only the name and are not the same company.
Wow, and it looks like they claim to be the same company that started in 1872 on their website! That's shady!
First Card: USAA MasterCard. They had a "College Start" program where you started with a low limit and then increased it each year of school. I was able to convert to a basic rewards card later on.
Worst Card: National City (now PNC) CashBuilder. This was my second card that I got when Wal-Mart decided to temporarily stop taking Debit MasterCard. USAA had 0.5% cash back on its debit card back then, and CashBuilder matched that rate. Let's just say it's my least rewarding credit card now.
Best Card: Citi Hilton Honors Reserve. Between the free breakfasts and weekend night certificates (the latest one I used at a $700/night NYC hotel during the holiday season), I have made back more than the AFs I have paid.
Wish Card: AMEX Platinum. I have CSR and I don't use Uber regularly enough to use the monthly credits. That said, I want to see where all the Hilton and SPG programs land since the card provides Gold status for both.
@MASTERNC wrote:First Card: USAA MasterCard. They had a "College Start" program where you started with a low limit and then increased it each year of school. I was able to convert to a basic rewards card later on.
Worst Card: National City (now PNC) CashBuilder. This was my second card that I got when Wal-Mart decided to temporarily stop taking Debit MasterCard. USAA had 0.5% cash back on its debit card back then, and CashBuilder matched that rate. Let's just say it's my least rewarding credit card now.
Best Card: Citi Hilton Honors Reserve. Between the free breakfasts and weekend night certificates (the latest one I used at a $700/night NYC hotel during the holiday season), I have made back more than the AFs I have paid.
Wish Card: AMEX Platinum. I have CSR and I don't use Uber regularly enough to use the monthly credits. That said, I want to see where all the Hilton and SPG programs land since the card provides Gold status for both.
Do you have UberEats in your city? I've read that you can use the Uber credits on them instead.
@Adkins wrote:
@MASTERNC wrote:First Card: USAA MasterCard. They had a "College Start" program where you started with a low limit and then increased it each year of school. I was able to convert to a basic rewards card later on.
Worst Card: National City (now PNC) CashBuilder. This was my second card that I got when Wal-Mart decided to temporarily stop taking Debit MasterCard. USAA had 0.5% cash back on its debit card back then, and CashBuilder matched that rate. Let's just say it's my least rewarding credit card now.
Best Card: Citi Hilton Honors Reserve. Between the free breakfasts and weekend night certificates (the latest one I used at a $700/night NYC hotel during the holiday season), I have made back more than the AFs I have paid.
Wish Card: AMEX Platinum. I have CSR and I don't use Uber regularly enough to use the monthly credits. That said, I want to see where all the Hilton and SPG programs land since the card provides Gold status for both.
Do you have UberEats in your city? I've read that you can use the Uber credits on them instead.
The credits do work for UberEats.
However, unless you'd be ordering food through UberEats anyway, you should perhaps discount the value of $15/$35 a bit to account for a delivery fee and occasionally higher prices (or giving up discounts/extras you might get ordering directly from the restaurant).
And, of course, consider the cost of the food and tip if you'd otherwise be cooking or picking something up yourself.