Decent Credit Card..?!  | | | 
December 17th, 2001, 09:40 PM
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#1 (permalink)
| | Binder Household Butler
Join Date: Oct 2001
Posts: 5,432
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Is there such a thing as a credit card with at least a satisfactory introductory rate and a satisfactory standard rate? I might be mistaken, but I think that 23.99% as a standard rate is a little high. Feel free to fill me in! 
- Brandon
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December 17th, 2001, 09:50 PM
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#2 (permalink)
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Pay your bills on time and use the card for free. That my advice. | |
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December 17th, 2001, 09:53 PM
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#3 (permalink)
| | Binder Household Butler
Join Date: Oct 2001
Posts: 5,432
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Oops. Excuse me. I'm new to the "credit card thing", and was looking at a VERY crappy card. Consider the issue resolved!
- Brandon | |
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December 17th, 2001, 09:56 PM
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#4 (permalink)
| | Banned
Join Date: Oct 2001
Posts: 1,089
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American Express!!
Dont leave home without it!
And you have to PAY THE BILL every month, no pay $20 over the next 45 years, untill we own your house type crap..... | 
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December 17th, 2001, 11:46 PM
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#5 (permalink)
| | Ultimate Member
Join Date: Dec 1969 Location: St Louis, MO, USA
Posts: 1,799
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Look for a credit card co that pays incentives for usage, has no annual fee, and a reasonable "grace period" for interest on new purchases.
Get & sign the privacy statement or else you'll be deluged with mail & phone offers.
Then - and this is the tough part, also the most important - follow three simple rules for paying them.
1> On time
2> In full
3> Every time!
And always, always, always check the bill & verify everything. Never pay any late fees or service charges w/o a protest. They tend to bill you for one occassionally "by mistake", but if you don't catch it, you're out.
Personally, I've been using a First USA Visa for years and they've never yet made a dime from me other than whatever the seller pays!!  | |
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December 18th, 2001, 12:17 AM
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#6 (permalink)
| | Ultimate Member
Join Date: Oct 2001 Location: Silicon Valley
Posts: 1,165
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Except First USA Visa discontinued the 1% rebate (on ALL purchases) a few months ago. Maybe they didn't like the fact that I paid on time always and never paid any interest. Did everybody have theirs discontinued?
I've gone back to Discover that pays a tiered rebate that eventually gets to 1% but isn't nearly as good a deal.
Every little bit helps when you're a cheapskate as I am!!! | |
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December 18th, 2001, 12:45 AM
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#7 (permalink)
| | Binder Household Butler
Join Date: Oct 2001
Posts: 5,432
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Yeah... That's the problem. Finding the right credit card for me. I've checked out those "Select the right card" on the VISA/MasterCard pages, but it didn't yield accurate results, IMO.
- Brandon | |
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December 18th, 2001, 01:38 AM
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#8 (permalink)
| | Binder Household Butler
Join Date: Oct 2001
Posts: 5,432
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Any opinions on this card? http://www.webapply.com/nasdaq-x9s8
I'd like to stick to the MasterCard category, if anyone has any other suggestions. Or, if they'd like to really suggest a non-mastercard product, let me know why it's significantly better.
- Brandon
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December 18th, 2001, 04:05 AM
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#9 (permalink)
| | Binder Household Butler
Join Date: Oct 2001
Posts: 5,432
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December 18th, 2001, 08:37 AM
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#10 (permalink)
| | carpe noctum
Join Date: Oct 2001 Location: Colorado Springs, CO
Posts: 5,362
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Thanks Ed, for the advice. I've also been thinking about getting a CC.
Warthog | |
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