Blowout Cards Forums
Retail Rummage

Go Back   Blowout Cards Forums > COMMUNITY > Off Topic

Off Topic This section may contain threads that are NSFW. This section is given a bit of leeway on some of the rules and so you may see some mild language and even some risqué images. Please no threads about race, religion, politics, or sexual orientation. Please no self promotion, sign up, or fundraising threads.

Reply
 
LinkBack Thread Tools Display Modes
Old 02-18-2009, 10:21 PM   #1 (permalink)
Member
 
hockeyjunkie99's Avatar
 
Join Date: Oct 2007
Location: Tampa Bay Area, FL
Posts: 11,201
Question Best Credit Card to Apply for right now????

I know its going to be hard because of the economy today. What do you guys think the best Credit Card to apply for is. "None" is not the answer I'm looking for......lol

I've got pretty good credit. I think its above the average credit score in the nation and it keeps going up every month. I would like to apply for one credit card and go from there.

Any suggestions would be greatly appreciated.
__________________
-NICK

checkoutmycards.com/Users/hockeyjunkie99
hockeyjunkie99 is offline   Reply With Quote
Old 02-18-2009, 10:22 PM   #2 (permalink)
Banned
 
Join Date: Jul 2007
Location: Sacramento
Posts: 9,847
Send a message via AIM to CaptainBOHICA
Default

this is going to be good. im going to bookmark this thread and check it out again in 6 months.
CaptainBOHICA is offline   Reply With Quote
Old 02-18-2009, 10:23 PM   #3 (permalink)
Member
 
156neon's Avatar
 
Join Date: Feb 2009
Location: Columbia, PA
Posts: 452
Default

none,pay Cash!!!!!! Credit Cards Are The Route To All Evil!!!!!
156neon is offline   Reply With Quote
Old 02-18-2009, 10:25 PM   #4 (permalink)
Member
 
hockeyjunkie99's Avatar
 
Join Date: Oct 2007
Location: Tampa Bay Area, FL
Posts: 11,201
Default

Quote:
Originally Posted by CaptainBOHICA View Post
this is going to be good. im going to bookmark this thread and check it out again in 6 months.
I don't want your advice!!!!.....lol I don't plan on Bohica'ing like you did...............
.
.
.
.
.
.
.
.
__________________
-NICK

checkoutmycards.com/Users/hockeyjunkie99
hockeyjunkie99 is offline   Reply With Quote
Old 02-18-2009, 10:28 PM   #5 (permalink)
Member
 
Texansfan's Avatar
 
Join Date: Sep 2007
Location: Linden CA
Posts: 2,296
Default

Quote:
Originally Posted by 156neon View Post
none,pay Cash!!!!!! Credit Cards Are The Route To All Evil!!!!!
Although this is true.....lol
My opinion is Capitol One. From what my dad says, they only except high credit scores, and offer all kinds of reward options. They also dont have an annual fee if you qualify.
Me....huh, still paying off my old ones.....
__________________
http:/www.checkoutmycards.com/users/texansfan
Texansfan is offline   Reply With Quote
Old 02-18-2009, 10:28 PM   #6 (permalink)
Member
 
vortekv8's Avatar
 
Join Date: Feb 2008
Location: Waterville, Ohio
Posts: 1,373
Default

Quote:
Originally Posted by hockeyjunkie99 View Post
I know its going to be hard because of the economy today. What do you guys think the best Credit Card to apply for is. "None" is not the answer I'm looking for......lol

I've got pretty good credit. I think its above the average credit score in the nation and it keeps going up every month. I would like to apply for one credit card and go from there.
Any suggestions would be greatly appreciated.
Nick, first you did answer your own question in the first part of your statement. Next, never have "and go from there" in your mind when it comes to credit cards. It just leads to more and more.

Anyway, I would stay away from Citi. They just raised their APR on all cards because they are in so much trouble right now. Bank of America treats me really well and you also can sign up for their "rewards" benefits which can get you some really nice items (I turned some of my points into an auto of Jack Nicklaus and an auto of Davis Love III which was cool).
__________________
----Vortek/Jared----
(RedWings, Tribe, Browns, Penn State)

Always Looking For Zetterberg Patch Autos
vortekv8 is offline   Reply With Quote
Old 02-18-2009, 10:34 PM   #7 (permalink)
Member
 
deboesports's Avatar
 
Join Date: Jan 2008
Location: PITTSBURGH BABY!
Posts: 5,356
Send a message via Yahoo to deboesports
Default

go to walmart.....buy a cash card.....put all your money on that card.....and make yourself think its a credit card, just one you dont got to pay back lol
__________________
"BUCTOBER"
deboesports is offline   Reply With Quote
Old 02-18-2009, 10:55 PM   #8 (permalink)
Approved Group Break Host
 
marino5084's Avatar
 
Join Date: Dec 2007
Location: In the air
Posts: 6,572
Default

Quote:
Originally Posted by Texansfan View Post
Although this is true.....lol
My opinion is Capitol One. From what my dad says, they only except high credit scores, and offer all kinds of reward options. They also dont have an annual fee if you qualify.
Me....huh, still paying off my old ones.....
Capital One and Chase are both good cards. I don't pay annual fees on either. Rewards are great. Customer service from Chase is better. I have personal and Buisness accounts with both. I actually prefer Chase. Stay away from Citi.
marino5084 is offline   Reply With Quote
Old 02-18-2009, 11:07 PM   #9 (permalink)
Member
 
fm8418's Avatar
 
Join Date: Feb 2008
Location: ohio
Posts: 6,233
Send a message via AIM to fm8418
Default

I like my citi card, dislike my chase.
fm8418 is offline   Reply With Quote
Old 02-19-2009, 12:33 AM   #10 (permalink)
Member
 
Join Date: Jul 2007
Location: NorthEast Kansas
Posts: 12,215
Default

American Express is my card of choice. It has a great rewards program, (not unlike many others though), and you have to pay it off every month. The one you should get anyway. I do have Chase, Citibank, Discover, and Capital One as well as I like to play them against each other every now and then and get "free" credit each time.

Don't listen to anyone here tell you that you shouldn't get a credit card. There's no better way to build your credit, and credit is a very good thing when used responsibly. When you get a credit card, make yourself pay it off every month. THIS IS A MUST! Every 3-6 months, ask for a credit line increase. After a while, apply for another card and repeat.

ABOVE ALL...Pay them off every month, and you will have perfect credit! I'm talking about the kind of credit where you can borrow money for 6-12 months for FREE! The kind of credit where credit card companies give you lines of credit at 1.9% until your balance is paid off in full, and so on.

Trust me, being responsible can take you a long way.
__________________
Check out my high-end cards for sale on COMC...username: mwheeler27
mwheeler27 is offline   Reply With Quote
Old 02-19-2009, 12:35 AM   #11 (permalink)
Banned
 
Join Date: Jul 2007
Location: Sacramento
Posts: 9,847
Send a message via AIM to CaptainBOHICA
Default

Quote:
Originally Posted by hockeyjunkie99 View Post
I don't want your advice!!!!.....lol I don't plan on Bohica'ing like you did...............
.
.
.
.
.
.
.
.
ok. dont take my advice... let us know how this works out for you in 9 months.


bet you 20 bucks you'll be within 500 bucks of your max line in 9 months.
CaptainBOHICA is offline   Reply With Quote
Old 02-19-2009, 12:49 AM   #12 (permalink)
Member
 
keggobelly's Avatar
 
Join Date: Oct 2007
Location: Mississippi
Posts: 1,368
Default

HJ if you are a member of a Credit Union try them first. My CU has great rates for members and no rate increases for late payments until its 60 days late. Discover will jack your rates up if its 24hrs late. Just follow MWheeler's advice and pay 'em off ASAP
__________________
I collect all UGA Dawgs in college uniforms, Stafford(All), Massaquoi, David Pollack and Knowshon
-Soon to be AJ Green Super Collector

RIP PAPAJIM
keggobelly is offline   Reply With Quote
Old 02-19-2009, 01:51 AM   #13 (permalink)
Member
 
Highcheese4U's Avatar
 
Join Date: Sep 2008
Posts: 2,751
Default

I have USAA and my local FCU, both cannot go wrong even in these times..but if you cannot afford to buy with cash then you probably shouldnt be having a CC in the first place!

Last edited by Highcheese4U; 02-19-2009 at 02:18 AM.
Highcheese4U is offline   Reply With Quote
Old 02-19-2009, 01:59 AM   #14 (permalink)
Member
 
Join Date: Jan 2008
Posts: 2,979
Default

Quote:
Originally Posted by mwheeler27 View Post
American Express is my card of choice. It has a great rewards program, (not unlike many others though), and you have to pay it off every month. The one you should get anyway. I do have Chase, Citibank, Discover, and Capital One as well as I like to play them against each other every now and then and get "free" credit each time.

Don't listen to anyone here tell you that you shouldn't get a credit card. There's no better way to build your credit, and credit is a very good thing when used responsibly. When you get a credit card, make yourself pay it off every month. THIS IS A MUST! Every 3-6 months, ask for a credit line increase. After a while, apply for another card and repeat.

ABOVE ALL...Pay them off every month, and you will have perfect credit! I'm talking about the kind of credit where you can borrow money for 6-12 months for FREE! The kind of credit where credit card companies give you lines of credit at 1.9% until your balance is paid off in full, and so on.

Trust me, being responsible can take you a long way.

This is the best advice, but treat your CC like cash, only buy what you can afford to pay off at the end of each month. If you start paying interest, then youre doing it wrong.
anusinha is offline   Reply With Quote
Old 02-19-2009, 07:27 AM   #15 (permalink)
Moderator
 
iluvfish2's Avatar
 
Join Date: Jul 2007
Location: Lansing, Michigan
Posts: 22,339
Send a message via AIM to iluvfish2 Send a message via Yahoo to iluvfish2
Default

actually there is a flaw in wheelers post. If you have to much revolving credit it can actually hurt you.

But nick it really depends on why you want one. If its to boose your credit score I would personally say don't do it. But in that same breath as long as you pay it off find one that has what your want (online banking, rewards, low APR, etc). There used to be a really good website for this. Best card I had was 2+ years ago. I got 2% back on all purchases, cash, which was credited towards my bill every month. My guess is its very similar to paypals credit card. I've got just about every one you can imagine. Citibank has been very good to me, but I think Discover was the best. I liked their online programs, but they are a bear to work with (I tried to get my APR lowered after I missed a payment by a day or two and they wouldnt work with me, so I canceled the card). I like my Cabelas Card for its reward program, but they've changed the offers you use to get (they'd hold 2-4 members weekends every year and I'd get 40 bucks free just for driving the 2+ hours to go down....sign a buddy up get another 40..this adds up quick, one weekend I had 200 in free money to spend down there...granted before it was all said and done I dropped 1000+ so they still made money, but I left with a truck full of goodies Hard to beat cash rewards though. Spends anywhere.
__________________
Blowouts Resident Wade Boggs Super Collector
iluvfish2 is online now   Reply With Quote
Old 02-19-2009, 07:48 AM   #16 (permalink)
Boo
Member
 
Join Date: Jul 2007
Location: PA
Posts: 3,377
Default

I like my Citi Card...great rewards program. My wife and I put everything on the CC to get points. In the last 3 years we've gotten gift cards to buy...our digital camera, dvd camcorder, refrigerator and all of our Christmas presents. The thing is though...WE PAY OUR BALANCE EACH AND EVERY MONTH!!!!!!!!!! If you can't pay your balance each month, don't get one.
__________________
CheckOutMyCards ID = klay22

http://s1058.photobucket.com/albums/t403/klay22/
Boo is offline   Reply With Quote
Old 02-19-2009, 08:19 AM   #17 (permalink)
Member
 
jbellis74's Avatar
 
Join Date: Jul 2007
Location: Lake Worth Fla Hearts still in NYC
Posts: 5,436
Send a message via AIM to jbellis74
Default

Nobody mentioned Discover yet.....strange....

I have two credit cards one from Discover and one from Citi. The Discover card gives me miles towards airfare and the citi card was 0% interest for 12 months.. Even with excellent credit I can't get another card that is 12 months 0%, I can only seem to find 6 months but thats mainly because of the economy.

I wouldnt go with American Express as most of their cards come with an annual fee unless you get the blue card.
__________________
On any given Sunday you're gonna win or you're gonna lose. The point is - can you win or lose like a man?
jbellis74 is offline   Reply With Quote
Old 02-19-2009, 10:09 AM   #18 (permalink)
Member
 
hockeyjunkie99's Avatar
 
Join Date: Oct 2007
Location: Tampa Bay Area, FL
Posts: 11,201
Default Thank you all for all of you advice

I've decided to wait until September before I choose to do anything. I may be unemployed by the end of September. Depending on "Budget Cuts" in our County.

If I still have my Job after September, I will probably buy a house in December if all goes well. I'm planning on saving alot(for me) of money from the end of April trough the end of September(to have $$$$ security if I do get layed off).
__________________
-NICK

checkoutmycards.com/Users/hockeyjunkie99
hockeyjunkie99 is offline   Reply With Quote
Old 02-19-2009, 10:44 AM   #19 (permalink)
Member
 
Join Date: Aug 2007
Location: Frisco, TX
Posts: 1,200
Default

Quote:
Originally Posted by iluvfish2 View Post
actually there is a flaw in wheelers post. If you have to much revolving credit it can actually hurt you.
Actually, Wheeler was correct. "Having" too much revolving credit doesn't hurt you, "using" too much revolving credit hurts you.

When deriving credit scores, unused credit simply shows that you have available credit that you are not using - this doesn't scare the credit agencies and financial companies. In layman's terms...shows responsibility.

On the other hand, having much less revolving credit, but actually "using" most of it in terms of balances - red flag, especially in today's economy. Most cc companies are currently lowering their credit lines based on aggressive review of credit scores combined with the economy. For example, if you have multiple cards and you've used most of your credit cards' available balances...have a credit line of $20,000 and a balance of $16,000 ... don't be surprised to see your credit line dropped to $18k or $17k (depending on the company, of course).

Just an FYI...
thekramers5 is offline   Reply With Quote
Old 02-19-2009, 11:16 AM   #20 (permalink)
Member
 
FINS4LIFE's Avatar
 
Join Date: Sep 2007
Posts: 4,944
Default

If you do deside to get a cc. keep it at a certain limit. If they raise your line of credit. call them and ask them to lower it back to the original line. Take it from someone that has 2 of them for along time. They easily rack up quickly. Especially when you need a quick fix at your LCS. Or anywere for that inpulse buy. I have been on a mission to pay them off and get rid of all but one. It will come in handy for emergences. But controll Grasshopper is a very hard thing. I think everyone who has them would agree with me.
FINS4LIFE is offline   Reply With Quote
Old 02-19-2009, 11:19 AM   #21 (permalink)
Member
 
jacobbigshow's Avatar
 
Join Date: Aug 2007
Location: NJ
Posts: 2,932
Default

HJ I would suggest Chase Freedom. I get 1% on all purchases and 1.5% on gas stations and I think 3% on certain stores. Just pay off the entire balance every month, those credit card rates stink.
__________________
checkoutmycards.com/Users/jacobbigshow
jacobbigshow is offline   Reply With Quote
Old 02-19-2009, 01:27 PM   #22 (permalink)
Member
 
frozenntimesports's Avatar
 
Join Date: Jul 2007
Location: York, PA
Posts: 10,386
Default

Quote:
Originally Posted by hockeyjunkie99 View Post
I've decided to wait until September before I choose to do anything. I may be unemployed by the end of September. Depending on "Budget Cuts" in our County.

If I still have my Job after September, I will probably buy a house in December if all goes well. I'm planning on saving alot(for me) of money from the end of April trough the end of September(to have $$$$ security if I do get layed off).
After 5815 posts, finally some intelligence.
__________________
“Life is a storm, my young friend. You will bask in the sunlight one moment, be shattered on the rocks the next. What makes you a man is what you do when that storm comes. You must look into that storm and shout as you did in Rome. Do your worst, for I will do mine! Then the fates will know you as we know you.”
frozenntimesports is offline   Reply With Quote
Old 02-19-2009, 01:48 PM   #23 (permalink)
Member
 
hockeyjunkie99's Avatar
 
Join Date: Oct 2007
Location: Tampa Bay Area, FL
Posts: 11,201
Default

Quote:
Originally Posted by KaraandMelliesDaddy View Post
After 5815 posts, finally some intelligence.
Thank you Kimosabee
__________________
-NICK

checkoutmycards.com/Users/hockeyjunkie99
hockeyjunkie99 is offline   Reply With Quote
Old 02-19-2009, 08:37 PM   #24 (permalink)
Member
 
Join Date: Jul 2007
Location: NorthEast Kansas
Posts: 12,215
Default

Quote:
Originally Posted by iluvfish2 View Post
actually there is a flaw in wheelers post. If you have to much revolving credit it can actually hurt you.
Come on Fish, my posts never have flaws in them. Well...um...never mind.

In this case however, there is no flaw in what I said, and I'm speaking from experience, so I know what I'm talking about.

I think what you're referring to is "using" too much revolving credit. The number 2 rule, (the one immediately following paying off your card entirely each month), is to never carry more than half your available credit on any card. Keeping a balance that's less than half of your available balance shows responsibility that's rare these days. Very few people do it, and credit card companies, will reward you handsomely as all 3 credit rating companies will give you a high credit score.

Again, I'm speaking from experience. I currently have exactly 119,000 in available credit spread over only 5 credit cards, AND this does not count my American Express which allows me to spend in excess of $100,000 per billing cycle as I have done a few times. If I wanted to leave the country, I could go on one heck of a spending spree first because I followed the very advice I'm giving you here.

Trust me, follow what I have laid out for you, and you will have credit card companies sending you extremely low interest to "free money" offers each and every month. Everyone should be doing it.
__________________
Check out my high-end cards for sale on COMC...username: mwheeler27
mwheeler27 is offline   Reply With Quote
Old 02-19-2009, 08:40 PM   #25 (permalink)
Banned
 
Join Date: Jul 2007
Location: Sacramento
Posts: 9,847
Send a message via AIM to CaptainBOHICA
Default

Quote:
Originally Posted by KaraandMelliesDaddy View Post
After 5815 posts, finally some intelligence.
geezus christ 5815 posts? LOL
CaptainBOHICA is offline   Reply With Quote
Reply

Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -4. The time now is 09:17 PM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO
Copyright © 2013, Blowout Cards Inc.