toyota visa card

crispytaco · 08-24-2009, 01:42 PM

im not sure if this should go here, but i got my monthly bill in today and it has a toyota visa card promotion where when u use it you get points to use for parts, services, and acc. has anyone got this card and if so is it worth it?

Brunes · 08-24-2009, 01:43 PM

It's a credit card...If you've got one...You've got enuf.

BakoTruck · 08-24-2009, 02:00 PM

Quote:

Originally Posted by Brunes

It's a credit card...If you've got one...You've got enuf.

Agreed! 100% I don't even have a credit card.

Brunes · 08-24-2009, 02:08 PM

Quote:

Originally Posted by BakoTruck

Agreed! 100% I don't even have a credit card.

I have one for "just in case" Don't always have X dollars cash for emergencies..but I do have an emergency fund that I can pay the card off with.
I get some rewards from my debit card too tho...so that kinda offsets it.

crispytaco · 08-24-2009, 03:02 PM

i only have one, just for little stuff... i hate bills but i was wondering if anyone had got this card cause it says u get points for using it and then u get discounts on toyota stuff. didnt know if it was worth it or not?

MotoXdoer · 08-24-2009, 03:08 PM

dont buy anything unless you have the cash. i have 3 cards and i only got them to build my credit to buy my tacoma. i only have them for emergencies. only debt i have is my taco 15k

Simon's Mom · 08-24-2009, 03:39 PM

I got it when I bought my extended warranty through Troy of Greenfield Ma toyota. I had the $$ up front to buy it, but he said if I signed up for the card I would get a $75 rebate off the purchase price plus 0% for the first six months.
My credit is good, I only have one other card which is paid off so I said what the heck, why not? Plus it helped Troy, who done a great service to many members of the forums selling this warranty at a fraction of cost over many, many dealers.

My card is already paid off & the rewards you earn only can be redeemed at a dealership fwiw. IMO, if it wasn't for buying the extended warranty thru Troy, I wouldn't have it.

05 TRD Sport · 08-24-2009, 04:13 PM

I just got a Toyota Visa card w/same points for parts deal. Also came w/a smoking 2.9% for the first year. We use it for stuff like gas, groceries and beer. I don't carry around much cash (certainly not $50 for a fillup)So if I use it to buy stuff I have to buy anyway I get free stuff or service at Toyota. Sounds like a win-win to me

jandrews · 08-24-2009, 04:34 PM

I recommend at least two credit cards.

No, you shouldn't get into upside down debt up to your eyeballs. But you SHOULD live your life through credit cards for the consumer protections they offer. I have one low-limit card ($2k) for living expenses...gas, groceries, fun stuff, etc. and one high limit ($10k) for emergencies. The high limit hardly ever gets touched. I put about $100 a month on it just to keep the large amount of unused credit from working against me on my credit report.

ALWAYS have enough cash on hand to pay off all balances in full. In other words, if you have credit cards with $5k in available credit, have $5k liquid cash on hand that is in a lockbox to be used only if you need to wipe your cards clean in some emergency.

Debit cards are NOT "just as good" because they're much more vulnerable to identity theft. The delayed payment process (grace period) of credit cards protects you as a consumer much more diligently against fraud. You can dispute any fraudulent charges with the CC company, and you don't actually end up losing that cash. If someone gets ahold of your debit information, they can clean out whichever account(s) it's linked to, and they have those funds in cash money. It's gone.

ALWAYS PAY OFF YOUR BALANCE IN FULL EVERY MONTH. I cannot stress this enough. Credit card interest rates are ABSURD and COMPOUND. Once you start down the downward spiral of only paying a portion of principle or, god forbid, the minimum, you're screwed. Treat them like charge cards...balance to be paid off in full monthly. Period.

Gsquare · 08-24-2009, 04:53 PM

(insert shameless Sockmonkey plug here)

It would prove useful in squeegee'ing out the air bubbles after buying a Sockmonkey vinyl!

That would be here:

http://www.tacomaworld.com/forum/sockmonkey/

...in case you didn't know. (You'll want one eventually)

** Credit card recommended if official squeegee device not available. Void where prohibited. May cause dizziness. Consult physician if severe rash developes. If erection persists for more than 24 hours - get laid. Coming soon. Check TW for local listings and showtimes. **

wildjerseyfirefighter · 08-24-2009, 07:35 PM

ive got 2 cards, about to cut the Chase one up..Outrageous apr.around 29%

my cabelas one(visa) has cash back rewards..I use that card everywhere, and pay it off every month. So I spend money, have no intrest on that card, plus i get free stuff from cabelas

jandrews · 08-24-2009, 07:39 PM

Quote:

Originally Posted by wildjerseyfirefighter

ive got 2 cards, about to cut the Chase one up..Outrageous apr.around 29%

If you follow the rules, it doesn't matter what the interest rate is

Quote:

my cabelas one(visa) has cash back rewards..I use that card everywhere, and pay it off every month. So I spend money, have no intrest on that card, plus i get free stuff from cabelas

Yeah, rewards programs are nice...just don't get tempted into overusing the card because of them. It's often cheaper to just buy the "reward" outright rather than paying interest on your CC balance to earn it there.

wildjerseyfirefighter · 08-24-2009, 07:45 PM

i had a balance of about 2K for a while, and got tired of paying 50-100 per month in intrest, so i managed to pay it all off, and now just use it once a year to keep it open since its got a nice limit(4K) for emergencies.

The other one gets used, but gets paid off in full every month, in installments. Like i just put $380 on it from vacation..When the statement posted while I was on vacation, i put $80 down on it. Then, when I got paid i put $150 down on it, so my balance is now $150. This week ill put the rest of the $150 on it, and pay it off before the end of the month. Not sure if this helps any, but i've been doing it forever since I got the card, and I get approved for most of the bigger purchases I need to make.

jandrews · 08-24-2009, 07:51 PM

Main thing is just to pay the balance off by the end of the grace period. I only get paid once a month...have to budget a bit more, but on the other hand it's nice to get all the bills and everything taken care of in one day of hassle.

ilovetacos · 08-24-2009, 10:06 PM

I have learned my lesson with credit cards...I bought my first house when I was 20 and it seemed after that I could any credit card at anytime. I quickly racked up $15k in credit card debt by the time I was 23. I never thought I could get out of it and considered filing bankruptcy. LUCKILY I landed a decent job that paid out quarterly bonuses and I was able to pay them off within 1 year. I now keep 2 credit cards I use for Sirius Radio Subscription, Redbox, "on-file" card with Blockbuster, etc or to use online for purchases but I always pay in full at the end of the month. Only debt I have now is the wife's auto and my house. Tacoma is paid off too!

Old Soul · 08-29-2009, 06:48 PM

^ Sweet! I am glad for you

I am seriously in debt, it sucks. the card companies are loving it though...

someone I know mentioned that card companies are going to try and charge an interest rate for people who pay their cards off each month. of all the cards I have I still have one that is my main purchase card and I pay that thing off every month no matter what so hopefully the card companies will not go after that one too. if they do do that it will force people to use their debit cards to avoid interest and fraud will sky rocket beyond belief.

edit for the original poster.. you can find good rewards cards that are not limited to Toyota rewards only. 1% reward value is average and some offer more % for certain purchases. keep in mind the low actual value of the rewards, like $50 worth of rewards would require $5,000 worth of purchases, etc

timmer · 08-29-2009, 09:35 PM

Discover over the road card 5% off on all gas purchaes made with this card.

its a good one but, of course, read the fine print first

wolfpack_5150 · 08-29-2009, 09:54 PM

Quote:

Originally Posted by wildjerseyfirefighter

ive got 2 cards, about to cut the Chase one up..Outrageous apr.around 29%

my cabelas one(visa) has cash back rewards..I use that card everywhere, and pay it off every month. So I spend money, have no intrest on that card, plus i get free stuff from cabelas

just wait till they drop ur available balance, or close ur accnt

. Chase is poo

HwyRogue · 08-31-2009, 03:40 PM

I have a Capital One.. whats in YOUR wallet?
..I get 2 points for every buck spent and I pay it off monthly - rewards and no interest!

aaronatl · 09-04-2009, 01:33 PM

Quote:

Originally Posted by HwyRogue

I have a Capital One.. whats in YOUR wallet?
..I get 2 points for every buck spent and I pay it off monthly - rewards and no interest!

my opinion, capital one is the worst

my credit record still reports 2 late payments 7 years later from
capital one, only neg. thing good luck closing that account

08-24-2009, 01:42 PM	#1
crispytaco Junior Member Joined: May 2009, #16966 Location: texas Gender: Male Posts: 28 2007 prerunner sr5 doublecab 2007 Double Cab Automatic 6cyl black halo projector headlights, green interior lighting, satoshi grill mod, debagded, black out taillights and 3rd brake.	toyota visa card im not sure if this should go here, but i got my monthly bill in today and it has a toyota visa card promotion where when u use it you get points to use for parts, services, and acc. has anyone got this card and if so is it worth it?

08-24-2009, 01:43 PM	#2
Brunes Pray for CG1705 and the Cobra Crew Name: Mark Joined: May 2008, #7011 Location: Panhandle, Florida Age: 25 Gender: Dude Posts: 5,802 08 Red/Graphite and Black 2008 Access Cab Manual 1GR-FE: 4L V6 Debadge, Tint, LiteRider Tonneau with Locker Handle, 5 Pc Black Billet Grill, Black Rims, IPod Adapter, Red and Black Wet Okole Seats, Black Weathertechs. 885's and TC UCAs and Wheelers 3 pack AAL with OME Shocks and extended brake lines. Revenge Fabrication 82" Kickout sliders	It's a credit card...If you've got one...You've got enuf. __________________ Namaste Brunes

08-24-2009, 03:39 PM	#7
Simon's Mom Don't Worry Be Happy Name: Judy or Jude :) Joined: Apr 2007, #1297 Location: SBurl Vermont Age: 49 Gender: Chick Posts: 3,736 06 DC SR5 4WD SB 2006 Double Cab Automatic 4L Extang Trifecta Soft Tonneau, TRD Exhaust, Goodyear Wrangler AT Silent Armors, Thule Racks, Wet Okole Seat Covers, Weathertech InChannel Visors & Floorliners, OEM Nerf Bars, AFE Dry Filter, C2C Hood Struts, Custom Badging by Sockmonkey	I got it when I bought my extended warranty through Troy of Greenfield Ma toyota. I had the $$ up front to buy it, but he said if I signed up for the card I would get a $75 rebate off the purchase price plus 0% for the first six months. My credit is good, I only have one other card which is paid off so I said what the heck, why not? Plus it helped Troy, who done a great service to many members of the forums selling this warranty at a fraction of cost over many, many dealers. My card is already paid off & the rewards you earn only can be redeemed at a dealership fwiw. IMO, if it wasn't for buying the extended warranty thru Troy, I wouldn't have it. __________________ Sig by Delmarva

08-24-2009, 04:34 PM	#9
jandrews Still ignoring the damn swine flu Joined: Jun 2009, #18122 Location: Salisbury, NC Age: 25 Gender: Guy Posts: 846 '09 FourDubDee 2009 Double Cab Automatic 4.0L TRD CatBack Exhaust--TRD Cold Air Intake--Tow Package--Rear Leaf TSB--Trimmed Flaps--Locking Gas Cap--De/Re-Badged--De-Ticked (VSV mod)--Painted Engine Cover--TW Sticker--Relocated Rear Diff Breather--Shorty Antenna --Extra D-rings--More to come!	I recommend at least two credit cards. No, you shouldn't get into upside down debt up to your eyeballs. But you SHOULD live your life through credit cards for the consumer protections they offer. I have one low-limit card ($2k) for living expenses...gas, groceries, fun stuff, etc. and one high limit ($10k) for emergencies. The high limit hardly ever gets touched. I put about $100 a month on it just to keep the large amount of unused credit from working against me on my credit report. ALWAYS have enough cash on hand to pay off all balances in full. In other words, if you have credit cards with $5k in available credit, have $5k liquid cash on hand that is in a lockbox to be used only if you need to wipe your cards clean in some emergency. Debit cards are NOT "just as good" because they're much more vulnerable to identity theft. The delayed payment process (grace period) of credit cards protects you as a consumer much more diligently against fraud. You can dispute any fraudulent charges with the CC company, and you don't actually end up losing that cash. If someone gets ahold of your debit information, they can clean out whichever account(s) it's linked to, and they have those funds in cash money. It's gone. ALWAYS PAY OFF YOUR BALANCE IN FULL EVERY MONTH. I cannot stress this enough. Credit card interest rates are ABSURD and COMPOUND. Once you start down the downward spiral of only paying a portion of principle or, god forbid, the minimum, you're screwed. Treat them like charge cards...balance to be paid off in full monthly. Period. __________________ Build: Miss Blue

08-24-2009, 04:53 PM	#10
Gsquare The G stands for smoove Name: GG Joined: May 2009, #16921 Location: Lone Star State Gender: Guy Posts: 853 09 4x4 TRD Sport SR5 DC LB 2009 Double Cab Automatic 4.0 V6 ToyTec Ultimate Lift Kit, Ionic Running Boards, Seatbelt Chime Disabled, Tailgate Anti-theft Clamp, Blacked Out Front Logo, Sockmonkey U.S. Airforce Decal	(insert shameless Sockmonkey plug here) It would prove useful in squeegee'ing out the air bubbles after buying a Sockmonkey vinyl! That would be here: http://www.tacomaworld.com/forum/sockmonkey/ ...in case you didn't know. (You'll want one eventually) Credit card recommended if official squeegee device not available. Void where prohibited. May cause dizziness. Consult physician if severe rash developes. If erection persists for more than 24 hours - get laid. Coming soon. Check TW for local listings and showtimes. __________________

08-24-2009, 03:02 PM	#5
crispytaco Junior Member Joined: May 2009, #16966 Location: texas Gender: Male Posts: 28 2007 prerunner sr5 doublecab 2007 Double Cab Automatic 6cyl black halo projector headlights, green interior lighting, satoshi grill mod, debagded, black out taillights and 3rd brake.	i only have one, just for little stuff... i hate bills but i was wondering if anyone had got this card cause it says u get points for using it and then u get discounts on toyota stuff. didnt know if it was worth it or not?

08-24-2009, 03:08 PM	#6
MotoXdoer Senior Member Name: Nate Joined: May 2009, #17677 Location: San Luis Obispo, Ca Age: 20 Gender: Dude Posts: 271 06 Prerunner Sr5 2006 Access Cab Automatic 4.0 soon 2b supercharged!! k&n	dont buy anything unless you have the cash. i have 3 cards and i only got them to build my credit to buy my tacoma. i only have them for emergencies. only debt i have is my taco 15k

08-24-2009, 04:13 PM	#8
05 TRD Sport huh huh huh, you said member Joined: Mar 2009, #15232 Location: 30 minutes south of Atlanta Gender: Dude Posts: 142 05 Prerunner TRD Sport Rad. Red 2005 Access Cab Automatic	I just got a Toyota Visa card w/same points for parts deal. Also came w/a smoking 2.9% for the first year. We use it for stuff like gas, groceries and beer. I don't carry around much cash (certainly not $50 for a fillup)So if I use it to buy stuff I have to buy anyway I get free stuff or service at Toyota. Sounds like a win-win to me

08-24-2009, 07:35 PM	#11
wildjerseyfirefighter Not now chief im in the fuckin zone Name: Joe Joined: Dec 2008, #11677 Location: NJ Age: 23 Gender: Male Posts: 3,624 96 Tacoma 4x4 1996 Access Cab Automatic 3.4L V6 Tinted windows,CAI,TRD Wheels,Herculined bed,full sound system,scanguage,custom in-dash nav.,all new lights,borla cat back, billstien 5100's up front,wet okle seat covers,Energy suspension bushings	ive got 2 cards, about to cut the Chase one up..Outrageous apr.around 29% my cabelas one(visa) has cash back rewards..I use that card everywhere, and pay it off every month. So I spend money, have no intrest on that card, plus i get free stuff from cabelas __________________ Welcome to New Jersey; Home of where the weak are killed and eaten. My build

08-24-2009, 07:45 PM	#13
wildjerseyfirefighter Not now chief im in the fuckin zone Name: Joe Joined: Dec 2008, #11677 Location: NJ Age: 23 Gender: Male Posts: 3,624 96 Tacoma 4x4 1996 Access Cab Automatic 3.4L V6 Tinted windows,CAI,TRD Wheels,Herculined bed,full sound system,scanguage,custom in-dash nav.,all new lights,borla cat back, billstien 5100's up front,wet okle seat covers,Energy suspension bushings	i had a balance of about 2K for a while, and got tired of paying 50-100 per month in intrest, so i managed to pay it all off, and now just use it once a year to keep it open since its got a nice limit(4K) for emergencies. The other one gets used, but gets paid off in full every month, in installments. Like i just put $380 on it from vacation..When the statement posted while I was on vacation, i put $80 down on it. Then, when I got paid i put $150 down on it, so my balance is now $150. This week ill put the rest of the $150 on it, and pay it off before the end of the month. Not sure if this helps any, but i've been doing it forever since I got the card, and I get approved for most of the bigger purchases I need to make. __________________ Welcome to New Jersey; Home of where the weak are killed and eaten. My build

08-24-2009, 07:51 PM	#14
jandrews Still ignoring the damn swine flu Joined: Jun 2009, #18122 Location: Salisbury, NC Age: 25 Gender: Guy Posts: 846 '09 FourDubDee 2009 Double Cab Automatic 4.0L TRD CatBack Exhaust--TRD Cold Air Intake--Tow Package--Rear Leaf TSB--Trimmed Flaps--Locking Gas Cap--De/Re-Badged--De-Ticked (VSV mod)--Painted Engine Cover--TW Sticker--Relocated Rear Diff Breather--Shorty Antenna --Extra D-rings--More to come!	Main thing is just to pay the balance off by the end of the grace period. I only get paid once a month...have to budget a bit more, but on the other hand it's nice to get all the bills and everything taken care of in one day of hassle. __________________ Build: Miss Blue

08-24-2009, 10:06 PM	#15
ilovetacos Beetle, is as bad as can... Joined: Jan 2008, #4464 Location: Visalia, CA Age: 27 Gender: Dude Posts: 688 '06 TRD Sport 4x4 2006 Double Cab Automatic 4.0L V6 Bilstein 5100 Shocks(F&R), OME 885 Coils, Alcan AAL, 16x8 American Racing Teflon Mojave Wheels, 265/75-16 BFG Mud Terrains, Tinted Tail Lights, 5000K HID, Flowmaster 50 Series Muffler, Redline Hood Struts, Alpine 9887 HU, Image Dynamics Components, Co-Axials & 10" Sub, Alpine PDX5 Amp and a few DIY Mods.	I have learned my lesson with credit cards...I bought my first house when I was 20 and it seemed after that I could any credit card at anytime. I quickly racked up $15k in credit card debt by the time I was 23. I never thought I could get out of it and considered filing bankruptcy. LUCKILY I landed a decent job that paid out quarterly bonuses and I was able to pay them off within 1 year. I now keep 2 credit cards I use for Sirius Radio Subscription, Redbox, "on-file" card with Blockbuster, etc or to use online for purchases but I always pay in full at the end of the month. Only debt I have now is the wife's auto and my house. Tacoma is paid off too! __________________ >>> MY BUILD <<<

08-29-2009, 06:48 PM	#16
Old Soul Senior Member Joined: May 2009, #16995 Location: NC Gender: Male Posts: 253 09 AC V6 SR5 2WD SWB 2009 Access Cab Automatic v6 not to many, love it the way it is	^ Sweet! I am glad for you I am seriously in debt, it sucks. the card companies are loving it though... someone I know mentioned that card companies are going to try and charge an interest rate for people who pay their cards off each month. of all the cards I have I still have one that is my main purchase card and I pay that thing off every month no matter what so hopefully the card companies will not go after that one too. if they do do that it will force people to use their debit cards to avoid interest and fraud will sky rocket beyond belief. edit for the original poster.. you can find good rewards cards that are not limited to Toyota rewards only. 1% reward value is average and some offer more % for certain purchases. keep in mind the low actual value of the rewards, like $50 worth of rewards would require $5,000 worth of purchases, etc __________________ The more you know the less you need

08-29-2009, 09:35 PM	#17
timmer Off-Road Enthusiast S.W.Region Name: Tim Joined: May 2008, #6655 Location: Las Vegas Age: 47 Gender: Male Posts: 1,881 08 4WD V6 6sp OCTO, IVD suspension 2008 Access Cab Manual 236HP 4.0l V6 DOHC 24V W/VVT-i IDV: coilovers & UCA's, remote resevior shocks, custom "Bastard" IVD/toy-TSB leafsprings. 265/75r16 BFG-T/A KM on TRD alloys. Budbuilt skid set ARB Front Winch Bumper , Superwinch X9 IPF900xsd. DeMello Hybrid Sliders, bestop Supertop. waiting to install:3/8' x 80' Amsteel winchline, Delrin fairlead rollers, AP Rear plate bumper. coming soon: Base Mount CB with antenna	Discover over the road card 5% off on all gas purchaes made with this card. its a good one but, of course, read the fine print first __________________ Smokey Bear sez, Hear it again here Kids !!! http://www.vom.com/wesford/SBHA/SONG...ySONG_ga.shtml I give my pledge as an American to save and faithfully to defend from waste the natural resources of my country - its soil and minerals, its wildlands, waters and wildlife.

08-31-2009, 03:40 PM	#19
HwyRogue Audaces fortuna juvat Joined: Jul 2009, #20024 Location: Saskatchewan, Canada Gender: Guy Posts: 336 2007 TRD Sport 4x4 2007 Double Cab Automatic V6 running boards	I have a Capital One.. whats in YOUR wallet? ..I get 2 points for every buck spent and I pay it off monthly - rewards and no interest! __________________ Proud to be Canadian! GO RIDERS!

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