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#1
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What credit cards are you carrying?
And how do they treat you? I'm thinking about changing things up in my wallet, and want to get others opinions.
I've heard good things from various people about Chase and Capital-One cards, and am thinking about dumping my MasterCard for one... I do a fair amount of traveling, so I don't want a card that will get flagged when I make a purchase in Washington and California in the same day! Oh - before anyone says AMEX, I already have that base covered.
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-Justin 91 560 SEC AMG - other dogs dd 01 Honda S2000 - dogs dd 07 MB ML320 CDI - dd 16 Lexus IS250 - wifes dd it's automatic. |
#2
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Get the amex platinum. That is the only card I use. If someone doesnt accept amex I have my bank debit.
Platinum gets you access to the vip areas of the airports, plus their points program is pretty good. You really dont need more than 2 cards.
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Eugene 10 E63 AMG 93 300te 4matic 07 BMW X3 14 Ford F-150 Fx2 |
#3
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None...I keep the only one I have, AMEX, locked away in a safe deposit box with other important things.
All others were paid off a few years ago after cutting them up. I have since closed all credit accounts and pay cash/check/money order/debit card. If companies refuse those terms, they don't need my business.
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1987 560SL 85,000 miles Meet on the level, leave on the square. Great words to live by Were we directed from Washington when to sow and when to reap, we should soon want bread. - Thomas Jefferson: Autobiography, 1821.
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#4
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any of them with flyer miles are worth having.
I am not especially impressed with citi-bank mastercard, but the domestic American airlines flyer mile perk makes all the BS worth it. American express I don't waste my time with, costs are too high, and not accepted everywhere contrary to the advertisements as a side note, you don't want your card company to flag a purchase in Washington and California the same day? why? thats a good security precaution. If you don't want that to happen, before you leave on business, call your card company and inform them of where you expect to be, and they will notate your file and prevent flagging and suspension of services. Every time I go overseas or across the country, I do this beforehand, and don't get flagged.
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This post brought to you by Carl's Jr. |
#5
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Howdy Iwrock,
Cabelas Visa!
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Frank X. Morris 17 Kia Niro 08 Jeep Wrangler 4 door unlimited |
#6
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I carry two everyday.
Chase Sapphire Preferred- my main card. Gets lots of comments cause its metal and heavy. It also scratches easy. Chase freedom- For all the category spending to get 5% These two chase cards combine points so I can use them in conjunction to get the max points. I dont even carry a debit any more
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1984 300SD Orient Red/ Palomino 1989 560SEC 2016 Mazda 6 6 speed manual 1995 Ford F-150 reg cab 4.9 5speed manual |
#7
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Capital ONe Visa--for the air miles. We like to travel and have taken a number of free trips with the air miles. Redemption is a cinch. Book your airline/rental tickets however you want and then call Capital ONe and ask them to take the charge off your bill and redeem some miles.
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1977 300d 70k--sold 08 1985 300TD 185k+ 1984 307d 126k--sold 8/03 1985 409d 65k--sold 06 1984 300SD 315k--daughter's car 1979 300SD 122k--sold 2/11 1999 Fuso FG Expedition Camper 1993 GMC Sierra 6.5 TD 4x4 1982 Bluebird Wanderlodge CAT 3208--Sold 2/13 |
#8
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Amex for Costco and gas. Never any issues. Had two warranty issues and amex took care of it.
Citi plt advantage card for miles. Discover. Had them for over20 years. Price club only took it so I got it. Use it every now and then to keepnit active. Never had any issues with any of the cards. I never use debt or cash.
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Sent from an agnostic abacus 2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD** - With out god, life is everything. - God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson - You can pray for me, I'll think for you. - When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours. |
#9
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Quote:
do you want my mothers madian name also ? |
#10
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I keep a few -BofA, ATT, Macy's - in the drawer at home. I walk around with a US Bank Harley Davidson card which has me & the scooter pasted on it. That and a debit card from BofA.
Don't overlook the positive effect a few extra cards can have on your credit score. I carry no balances, but credit availability does factor into your FICO score. Coincidentally, when I leased my 2012 CTS, it was through US Bank leasing. Salesman told me it was the fastest credit approval he'd seen in a long time. From Experian: Credit Score: Check yours online and learn what affects it at Experian 15% of your credit score is based on the age of your accounts Having a lengthy credit history shows lenders you have an established record of managing your debt. Closing older accounts, such as credit cards could negatively impact your credit score. Experian retains closed accounts with no negative information associated with them for 10 years from the date they are reported closed. As a result, positive credit information remains on your credit report longer than most negative information, such as late payments. 14% of your credit score is based on the types of accounts you have There are four basic types of credit: Real Estate Loans, Installment Loans, Credit Cards, and Retail Cards. Having a good mixture of credit types along with high quality accounts, such as a mortgage loan, shows lenders you can manage your credit responsibly. |
#11
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I like my Discover card, their customer service is amazing. I keep a Visa as backup since not everyone takes Discover.
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1999 SL500 1969 280SE 2023 Ram 1500 2007 Tiara 3200 |
#12
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I must be a weirdo, because I have no credit cards.
Maybe it's because I'm a Dave Ramsey fan? I don't care about frequent flyer miles because I haven't been on a plane since 2003 and never plan to fly again. (It's part of my "deal with as few morons as possible in my life" goal,,,which means avoiding anyone who works in airport security.) I do have a debit card and also a debit card for my biz. |
#13
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Just applied for a Chase Sapphire Preferred to replace my old Sikorsky Visa which is clunky to use and they gave me one good to $30k.
The sign up bonus is really good, now this will be my primary card and the Discover will be my number two, with the Sikorsky getting the boot. I don't need or want more than two CC's. Problem with Sikorsky is like every credit union they are stuck in the 80's. I can't do much online, and even checking for activity is a PITA. Also to pay the card I actually physically have to go to a branch with cash, which is a waste of time.
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1999 SL500 1969 280SE 2023 Ram 1500 2007 Tiara 3200 |
#14
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No cards
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"Senior Luna, your sense of humor is still loco... but we love it, anyway." -rickymay ____ "Your sense of humor is still loco... " -MBeige ____ "Señor Luna, your sense of humor is quite järjetön" -Delibes 1982 300SD -- 211k, Texas car, tranny issues ____ 1979 240D 4-speed 234k -- turbo and tuned IP, third world taxi hot rod 2 Samuel 12:13: "David said to Nathan, “I have sinned against the Lord.” And Nathan said to David, “The Lord also has put away your sin; you shall not die." |
#15
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I was going to recommend the penfed visa cash rewards card that gives you an automatic 5% cash rebate on all gas and diesel. Checking their website, looks like they are cutting the rebate to 3% next month.
Must be real tough for those poor bankers. I feel real sorry for the f'n baaaastards that charge 18% interest on money they get for basically nothing. Thank you so much for letting me rot behind my desk working instead of my lazy money doing the lifting for the last 2 years.
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80 300SD (129k mi) 82 240D stick (193k mi)77 240D auto - stick to be (153k mi) 85 380SL (145k mi) 89 BMW 535i 82 Diesel Rabbit Pickup (374k mi) 91 Jetta IDI Diesel (155k mi) 81 VW Rabbit Convertible Diesel 70 Triumph Spitfire Mk III (63kmi)66 Triumph TR4a IRS (90k mi)67 Ford F-100 (??) |
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