Swimmod_Luna Posted February 22, 2018 Posted February 22, 2018 Only have one right now, credit limit is way higher than I'd ever need but I only get 1% cash back on everything. Trying to look into cards that can give a higher percent on things like gas and groceries. But there's so many to choose from. Hmmm
bnmjy Posted February 22, 2018 Posted February 22, 2018 American Express Blue Cash Preferred is pretty good, though there is a yearly fee. Supposedly you can exploit the 6 percent cashback by buying gift cards at certain stores. For simplicity's sake, citi's double cash gives you 2 percent back on everything.
Swimmod_Luna Posted February 22, 2018 Author Posted February 22, 2018 5 minutes ago, bnmjy said: American Express Blue Cash Preferred is pretty good, though there is a yearly fee. Supposedly you can exploit the 6 percent cashback by buying gift cards at certain stores. For simplicity's sake, citi's double cash gives you 2 percent back on everything. I was looking into the free version of the AmEx one. Lower percentage cash back but I'm not sure I spend enough to make the fee worth it. I might go with that one but not 100% committed yet.
Swimmod_Luna Posted February 22, 2018 Author Posted February 22, 2018 Just now, empty said: Don't do it Y not I have good credit and pay off as much as I can every month. Usually 100%.
Swimmod_Luna Posted February 22, 2018 Author Posted February 22, 2018 Just now, empty said: DON'T FALL FOR THE CREDIT MEME Meme?
Swimmod_Luna Posted February 22, 2018 Author Posted February 22, 2018 Just now, empty said: MY CREDIT SCORE IS 683 Mine's 750 Rekt
Codename: Jackass Posted February 22, 2018 Posted February 22, 2018 ONCE I GET MY CHRISTMAS LOAN PAID OFF YOU'LL BE THE ONE WHO IS REKT
Naraku4656 Posted February 22, 2018 Posted February 22, 2018 i have the blue cash card with no annual fee. i like it. i use it as my main card
1938 Packard Posted February 23, 2018 Posted February 23, 2018 17 hours ago, empty said: MY CREDIT SCORE IS 683 I'm waiting to see what mine will be in three months. I just opened a store credit account. That can change a score. Six months, interest free as long as the entire balance is paid off in that time.
Swimmod_Luna Posted February 23, 2018 Author Posted February 23, 2018 3 hours ago, Naraku4656 said: i have the blue cash card with no annual fee. i like it. i use it as my main card That's the one I think I'm gonna go with. Just gonna wait a month or two, try to get my current card balance down a bit and also wait until the inquiry on my record from the last card I opened falls off, since I'm already at 2 and any more will lower my score.
fuggnificent Posted February 23, 2018 Posted February 23, 2018 call the credit card company and see if they will negotiate. i dont think they can change cash back but you can try. wont hurt.
Swimmod_Luna Posted February 23, 2018 Author Posted February 23, 2018 3 minutes ago, fuggnificent said: call the credit card company and see if they will negotiate. i dont think they can change cash back but you can try. wont hurt. I'm not sitting on hold for god knows how long just to be told no. They'd probably just tell me about all their other cards I could qualify for which I already know about because I looked them up.
StarPanda Posted February 23, 2018 Posted February 23, 2018 Just dont get one to pay off the other ones
fuggnificent Posted February 23, 2018 Posted February 23, 2018 8 minutes ago, Athena 92 said: I'm not sitting on hold for god knows how long just to be told no. They'd probably just tell me about all their other cards I could qualify for which I already know about because I looked them up. you dont know how to sit on hold? you put the phone on speaker phone and post on here or wash dishes or play with your kitty until someone answers.. durr..
Swimmod_Luna Posted February 23, 2018 Author Posted February 23, 2018 1 minute ago, StarPanda said: Just dont get one to pay off the other ones Y not u can just keep getting credit cards to pay off other cards and be totally debt free that's how it works right
K_N Posted February 23, 2018 Posted February 23, 2018 Get it through your primary bank for the best deal.
Swimmod_Luna Posted February 23, 2018 Author Posted February 23, 2018 Just now, KN said: Get it through your primary bank for the best deal. My bank has one I was considering because it gives 5% back on certain categories each quarter. Like Q1 this year is 5% back at gas stations. Only problem is I was looking over what bonus categories they had last year, and another quarter they had travel or something like that which I would literally never use, and then one quarter was Wal-Mart and Amazon. I don't shop much at Wal-Mart and already have an Amazon store card that gives 5% back. So basically half of the year it's no better than my current card. I was leaning towards an AmEx one. 1
StarPanda Posted February 23, 2018 Posted February 23, 2018 20 minutes ago, Athena 92 said: Y not u can just keep getting credit cards to pay off other cards and be totally debt free that's how it works right If only
Naraku4656 Posted February 23, 2018 Posted February 23, 2018 don't bother sitting on hold with them to try and negotiate the annual fee. i've tried it and it doesn't work. just go with the normal blue cash one. it's pretty decent
Poof Posted February 23, 2018 Posted February 23, 2018 Don’t you already have a bunch of student debt?
Swimmod_Luna Posted February 23, 2018 Author Posted February 23, 2018 55 minutes ago, Poof said: Don’t you already have a bunch of student debt? Yeah but I'm not saying I'm going to start spending more. Just spend the same as now but use a card that gives more cash back.
Recommended Posts