Credit Cards - Too many to choose from
Comments
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Wow, I can't believe this thread has already almost gone sour. Wait, yes I can.
Back to the topic:
http://www.financeglobe.com/Finance/cards.shtml is a good resource for finding good cards. Click the "airline" link, and there you go.
Citi and AMEX are hard to beat. The whole deal about AMEX not being accepted everywhere is true, but it's not frequent. I lived in Europe for 8 months, travel quite frequently, and most places that took credit cards took AMEX along with Visa/MC. I rarely find a place in the states that doesn't take it these days. -
If you're planning to pay off the balance every month, I don't think you can beat the Discover card. They pay you cash for using the card. We use Discover for most of our basic expenses, pay it off religiously -- so to speak :-) -- every month, and they pay a percentage of the amount we charge back to us in cash (or apply it to the bill, at our option). The card's free, so they basically pay us to use the card. Of course, the retailers who accept Discover are funding that.
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Well guys, this irresponsible consumer(me) will be doing business with Amex. I just filled out the application and within 14 days I will have my card/limit in the mail.
Having a Citi Mastercard and Amex I think I will be comfortabe for a while.
Time to get to spending and not paying off the card! :rolleyes: -
BaggedLancer wrote: »Well guys, this irresponsible consumer(me) will be doing business with Amex. I just filled out the application and within 14 days I will have my card/limit in the mail.
Having a Citi Mastercard and Amex I think I will be comfortabe for a while.
Time to get to spending and not paying off the card! :rolleyes:
Nice, which one did you go with? AMEX should do an instant approval online. I have the Blue and HHiltonHonors and love 'em. Their customer service rocks as does their fraud dept. No hassles, no BS, and they're flexible. Good on ya... -
Time to get to spending and not paying off the card!
You know you will, Dave Ramsey says so...:p -
P.S. Last i checked the Amex Credit Limit Increase was on crack, so if you need a increase try for it online. I went from ~$2,500 to $12,500 (their own doing) to $20,000 (CLI button). No hard pull just a soft one, but don't you dare go above $24,900 lest you want a financial review.
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Nice, which one did you go with? AMEX should do an instant approval online. I have the Blue and HHiltonHonors and love 'em. Their customer service rocks as does their fraud dept. No hassles, no BS, and they're flexible. Good on ya...
The AMEX website wasn't working for approvals right now so I have to wait to get it in the mail to see it. I have a link I can log in and look at when the website is working again.
Oh I went for the blue cash. -
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BL: What's the issue with keeping Mastercard instead of Visa?
Ron: I'm making hundreds of dollars by using CC's and have a credit rating over 800 and no debt beyond my house. Explain how that's a bad thing that I run 98% of my expenses through my CC....There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin -
BL: What's the issue with keeping Mastercard instead of Visa?
No issue. I just have a mastercard now and didn't want to get a second one. Not a big deal, I just wanted something different. -
BaggedLancer wrote: »Well guys, this irresponsible consumer(me) will be doing business with Amex. I just filled out the application and within 14 days I will have my card/limit in the mail.
Having a Citi Mastercard and Amex I think I will be comfortabe for a while.
Time to get to spending and not paying off the card! :rolleyes:
My wife has the AMEX BLUE. She never uses it. But, just having it got her into trouble. Some yahoo got hold of her number (somehow) and charged stuff to proflowers.com, an outfitter company, etc. Completely bogus charges out-of-the-blue. She got an e-mail from AMEX alerting her to possible CC fraud. She called and reported the fraud. It took AMEX 3 full months to remove these charges from her account.
I wasn't impressed (at all) with AMEX customer care. Their fraud protection guarantee wasn't very fast at all. The entire scenario was as hassle. -
You haven't lost anything, unless you sell the home.
And when real estate is down, that's the best time to buy. Your financial advice really sucks.
Tell that to the people in Punta Gorda Florida that are losing their butts in the sinking real estate market. -
My wife has the AMEX BLUE. She never uses it. But, just having it got her into trouble. Some yahoo got hold of her number (somehow) and charged stuff to proflowers.com, an outfitter company, etc. Completely bogus charges out-of-the-blue. She got an e-mail from AMEX alerting her to possible CC fraud. She called and reported the fraud. It took AMEX 3 full months to remove these charges from her account.
I wasn't impressed (at all) with AMEX customer care. Their fraud protection guarantee wasn't very fast at all. The entire scenario was as hassle.
Curious, if I had posted I got a Citi Dividend Visa would you have posted the same story substituting Amex for Citi Visa? -
BaggedLancer wrote: »No issue. I just have a mastercard now and didn't want to get a second one. Not a big deal, I just wanted something different.
Understood. Might want to see if they (Citi) will upgrade you to the "world" from the "select" card on top of picking up something else. This adds pay pass, no 3% fee on international transactions, better fraud protection and credit monitoring, etc...There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin -
My wife has the AMEX BLUE. She never uses it. But, just having it got her into trouble. Some yahoo got hold of her number (somehow) and charged stuff to proflowers.com, an outfitter company, etc. Completely bogus charges out-of-the-blue. She got an e-mail from AMEX alerting her to possible CC fraud. She called and reported the fraud. It took AMEX 3 full months to remove these charges from her account.
I wasn't impressed (at all) with AMEX customer care. Their fraud protection guarantee wasn't very fast at all. The entire scenario was as hassle.
Very strange. I've had similar incidents, and they removed the charges immidiately no questions asked. They've done this twice with me, not to mention the fact that you can do a chargeback if you have a problem with goods or services and the retailer isn't cooperating. Chase was similar with their fraud stuff. Citi, you have to fill out a paper, have it notarized, and send it to them. -
BaggedLancer wrote: »Curious, if I had posted I got a Citi Dividend Visa would you have posted the same story substituting Amex for Citi Visa?
Do you call people liars becuse of a personality disorder? -
Do you call people liars becuse of a personality disorder?
Do you call people irresponsible because they understand how credit works in 2007 and you don't? -
Phuz:
With citi, all I do is give them a call and they take care of it. I call them, they pull the charge with a scan of the recipt, e-mail it to me and say "was this you?" if I say no, it's gone. Can't beat that.There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin -
BaggedLancer wrote: »Do you call people irresponsible because they understand how credit works in 2007 and you don't?
The people who understand how credit works aren't the ones that concern me. -
Here we go again. :rolleyes:
Bagged,
Might I suggest ignoring rskarvan since this thread has answered the question you posed? -
Yes the thread answered my question.
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Phuz:
With citi, all I do is give them a call and they take care of it. I call them, they pull the charge with a scan of the recipt, e-mail it to me and say "was this you?" if I say no, it's gone. Can't beat that.
For some reason both times they've had me do the paper thing. I have no idea why, but I suppose it's because both situations seemed like it could have been me. 1 was at a drug store in Italy, but I had never been to Italy at that point in my life. I was living in Germany and had used the card in Budapest a couple of weeks prior. The second time was an online purchase for some Hydroxycut and other stuff like that, that was to be delivered to college station, TX (not too far from where I live). Maybe they just don't trust me.
Love the cash back card and their service though. -
I apologize upfront for my ignorance, but what is this 'opt out' option a few of you have referred to?
In UseGeorge Grand wrote: »
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Epson 8700UB
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[Home Audio]
Rotel RCD-02, Yamaha KX-W900U, Sony ST-S500ES, Denon DP-7F
Pro-Ject Phono Box MKII, Parasound P/HP-850, ASL Wave 20 monoblocks
Klipsch RF-35, RB-51ii
[Car Audio]
Pioneer Premier DEH-P860MP, Memphis 16-MCA3004, Boston Acoustic RC520 -
Ron: I'm making hundreds of dollars by using CC's and have a credit rating over 800 and no debt beyond my house. Explain how that's a bad thing that I run 98% of my expenses through my CC....
What you are doing is sub-optimizing the system. The system works for you - and, therefore, you win. So, you are thinking that credit cards are a good thing for you - and, perhaps they are.
The problem is that credit cards are a bad thing for many people. Therefore, by supporting the industry, you are supporting the exploitation of the poor, uneducated, stupid consumers that charge them to the limit and then live in agony trying to repay.
So, when your neighbor divorces because of money problems and her kids are brought up without the loving support of a financially secure couple, they turn to drugs/alchohol/etc. And, with that addiction, they break into your house, steal all your cool audio gear, and buy their next hit of crack.
So, have you really benefited by the use of credit cards?
Granted, this is an extreme example... but, what is good for society is good for you personally. And, I think credit cards are just a few steps of the social ladder from payday loan companies (and, loan-sharks). -
Wow, yea I'll say thats a bit extreme.
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audiobliss wrote: »I apologize upfront for my ignorance, but what is this 'opt out' option a few of you have referred to?
Its when they send you a letter saying the terms have changed and you have a certain amount of time to "opt out". Some cards do it a lot with changes to min payments, interest rates, how they calculate interest, etc. They are never good to receive but depending on how you utilize credit they may not affect you. -
Oh, ok. That makes sense. Thank you!Its when they send you a letter saying the terms have changed and you have a certain amount of time to "opt out". Some cards do it a lot with changes to min payments, interest rates, how they calculate interest, etc. They are never good to receive but depending on how you utilize credit they may not affect you.
In UseGeorge Grand wrote: »
PS3, Yamaha CDR-HD1300, Plex, Amazon Fire TV Gen 2
Pioneer Elite VSX-52, Parasound HCA-1000A
Klipsch RF-82ii, RC-62ii, RS-42ii, RW-10d
Epson 8700UB
In Storage
[Home Audio]
Rotel RCD-02, Yamaha KX-W900U, Sony ST-S500ES, Denon DP-7F
Pro-Ject Phono Box MKII, Parasound P/HP-850, ASL Wave 20 monoblocks
Klipsch RF-35, RB-51ii
[Car Audio]
Pioneer Premier DEH-P860MP, Memphis 16-MCA3004, Boston Acoustic RC520 -
What you are doing is sub-optimizing the system. The system works for you - and, therefore, you win. So, you are thinking that credit cards are a good thing for you - and, perhaps they are.
The problem is that credit cards are a bad thing for many people. Therefore, by supporting the industry, you are supporting the exploitation of the poor, uneducated, stupid consumers that charge them to the limit and then live in agony trying to repay.
So, when your neighbor divorces because of money problems and her kids are brought up without the loving support of a financially secure couple, they turn to drugs/alchohol/etc. And, with that addiction, they break into your house, steal all your cool audio gear, and buy their next hit of crack.
So, have you really benefited by the use of credit cards?
Granted, this is an extreme example... but, what is good for society is good for you personally. And, I think credit cards are just a few steps of the social ladder from payday loan companies (and, loan-sharks).
Maybe you just need to move to a better neighborhood? -
Maybe you just need to move to a better neighborhood?
If only I could qualify for a $20K larger mortgage? -kidding :rolleyes: -
The problem is that credit cards are a bad thing for many people. Therefore, by supporting the industry, you are supporting the exploitation of the poor, uneducated, stupid consumers that charge them to the limit and then live in agony trying to repay.
Guess maybe they should have paid attention in school.
