1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Advice for choosing next credit card

Discussion in 'Off-Topic Discussion' started by BeeRadd, Jun 25, 2012.

  1. Jun 25, 2012 at 1:19 AM
    #1
    BeeRadd

    BeeRadd [OP] ANTI-DARK Vendor

    Joined:
    Sep 13, 2011
    Member:
    #63401
    Messages:
    1,104
    Gender:
    Male
    First Name:
    Brad
    Fountain Valley, CA
    Vehicle:
    2008 DCLB 4x4 TRD Sport
    Mag light mod, ABS Kill switch, On board air, tail-gate theft mod, Redline hood struts, Shovel mount, Rubberized undercoated frame, CB radio w/lil wil magnet antenna, LED interior light, Shocker 228 Train horns, black valence, fog lights anytime, black hood scoop, eyelids, anti-seatbelt chime hack, weathertechs,
    I'm looking into getting a CC since I would like to establish better credit. I don't think It would be a bad option since I pretty much spend a #$%^&*( load on this truck already but buy everything cash.

    I have always had a fear of CC companies because my mother was in debt for awhile, I was just wondering if anyone has any good things to say about any certain CC company. You know like which ones have the best plans, or best customer service. Thanks in advance, I take a lot of advice from my fellow taco family. :eek:
     
  2. Jun 25, 2012 at 1:41 AM
    #2
    Twistedfreedom

    Twistedfreedom welcome to the incredibuild

    Joined:
    Sep 12, 2011
    Member:
    #63386
    Messages:
    8,813
    Gender:
    Male
    First Name:
    Adam
    Spokane, WA
    Vehicle:
    incredibuild in progress
    modded the F*ck out
    get the lowest interest rate you can find and pay it off every month also look for no annual fees.

    Do you like to travel? get a card with mileage points
    cash back? these are tricky and you typically get one check a year.
    Stay away from capital one
    or anything associated with HSBC

    Personally I like American Express but it's not for everyone and many places don't take AMX because the user fees are ridiculous.
     
  3. Jun 25, 2012 at 1:43 AM
    #3
    BeeRadd

    BeeRadd [OP] ANTI-DARK Vendor

    Joined:
    Sep 13, 2011
    Member:
    #63401
    Messages:
    1,104
    Gender:
    Male
    First Name:
    Brad
    Fountain Valley, CA
    Vehicle:
    2008 DCLB 4x4 TRD Sport
    Mag light mod, ABS Kill switch, On board air, tail-gate theft mod, Redline hood struts, Shovel mount, Rubberized undercoated frame, CB radio w/lil wil magnet antenna, LED interior light, Shocker 228 Train horns, black valence, fog lights anytime, black hood scoop, eyelids, anti-seatbelt chime hack, weathertechs,

    Right on thanks brotha, BTW I was following you for awhile and checked out your build a few times, why are you going back to stock??
     
  4. Jun 25, 2012 at 1:44 AM
    #4
    Highland Logan

    Highland Logan UBIQUE

    Joined:
    Apr 11, 2011
    Member:
    #54752
    Messages:
    2,812
    Gender:
    Male
    First Name:
    Frank
    Nova Scotia, Canada
    Vehicle:
    2011 Black AC TRD Off Road w/ factory tow pkg
    If you buy everything with cash now, and plan to pay the card off after every purchase, then plans etc, don't really matter. Just go with Visa, it's the worlds most popular card and is excepted almost everywhere. I had the trifecta, for years; Visa, Master Card, and American Express, and the only one I every really used was the Visa... so I eventually got rid of the other 2. If you are doing this for a credit history, don't use it if you don't have the real cash to back it up.

    Frank
     
  5. Jun 25, 2012 at 1:47 AM
    #5
    Twistedfreedom

    Twistedfreedom welcome to the incredibuild

    Joined:
    Sep 12, 2011
    Member:
    #63386
    Messages:
    8,813
    Gender:
    Male
    First Name:
    Adam
    Spokane, WA
    Vehicle:
    incredibuild in progress
    modded the F*ck out
    There are a couple reasons, I need more space, power and something more practical than a reg cab truck. My truck's been listed on CL and Auto trader for about 3 weeks now and i've only had one person interested but he was unrealistic about trading an 04 WRX STI with 140k on it and me adding 3k cash to the deal. So it's going back to stock to be sold/ traded easier. I'm sad to see it go but it's time for something bigger.
     
  6. Jun 25, 2012 at 1:57 AM
    #6
    jr124gamboa

    jr124gamboa Well-Known Member

    Joined:
    Feb 7, 2011
    Member:
    #50725
    Messages:
    63
    Gender:
    Male
    socal
    Vehicle:
    07 4x4 sr5
    airride airbags, bedliner,
    I use to work with wells Fargo and bank of America ....my recommendation if you don't want to pay a yearly fee is the bank of America 123 card. If you plan on paying what you spend at the end of each billing cycle then interest is not important.hope that helps
     
  7. Jun 25, 2012 at 1:59 AM
    #7
    Twistedfreedom

    Twistedfreedom welcome to the incredibuild

    Joined:
    Sep 12, 2011
    Member:
    #63386
    Messages:
    8,813
    Gender:
    Male
    First Name:
    Adam
    Spokane, WA
    Vehicle:
    incredibuild in progress
    modded the F*ck out
    unless you can't pay it off for some unexpected reason. I still say got with the lowest rate you can find/get Just to cover your ass if you can't pay it off in full.
     
  8. Jun 25, 2012 at 2:12 AM
    #8
    Highland Logan

    Highland Logan UBIQUE

    Joined:
    Apr 11, 2011
    Member:
    #54752
    Messages:
    2,812
    Gender:
    Male
    First Name:
    Frank
    Nova Scotia, Canada
    Vehicle:
    2011 Black AC TRD Off Road w/ factory tow pkg
    Good point.. but to OP states that he buys with cash only... and is worried about getting into debt. So no cash to back up CC purchase.. wait till you have it.

    Frank
     
  9. Jun 25, 2012 at 2:15 AM
    #9
    tacoma.nut

    tacoma.nut Well-Known Member

    Joined:
    Apr 10, 2012
    Member:
    #76656
    Messages:
    106
    Gender:
    Female
    First Name:
    Beeb
    Washington
    Vehicle:
    2011 TRDsport,LB,4by4
    I have the Venture CC. I get 2 air miles for everyone dollar spent. I pay it off at the end of the month. They have another that gives 1.5 air mile for every dollar u spend. Interest rate is good as long as u have a good credit score. They also offer gas, cash back and other stuff if u don't want air miles. Go to Bankrate.com or Consumer reports. They both list cards according to interest, air miles, etc. I charge everything to my card and I am enrolled in their auto pay. I rack up air miles and I really like that. But u must pay it off every month if u do that. If not just charge here and there and and pay off every month.
     
  10. Jun 25, 2012 at 2:16 AM
    #10
    tacoma.nut

    tacoma.nut Well-Known Member

    Joined:
    Apr 10, 2012
    Member:
    #76656
    Messages:
    106
    Gender:
    Female
    First Name:
    Beeb
    Washington
    Vehicle:
    2011 TRDsport,LB,4by4
    Venture has no yearly fees as well.
     
  11. Jun 25, 2012 at 7:44 AM
    #11
    Janster

    Janster Old & Forgetful

    Joined:
    Mar 25, 2007
    Member:
    #1138
    Messages:
    13,623
    Gender:
    Female
    First Name:
    Jandy
    Lancaster, PA
    Vehicle:
    2007 4.0L 4x4 TRD Sport Access Cab A
    Advantage Torza top (tri-fold), Husky floor mats, RuffTuff seat covers, C2C hood struts, Homelink mirror, USA Spec PA15-Toy (120gig Classic & 8gig nano), Garmin Nuvi 660, Protecta Bed mat, Pop-n-lock, TSB Springs, Scangauge II, Heated drivers seat, Fumoto drain valve, Aries pushbar, PIAA 540 fog lights, Hood scoop grahics, Flowmaster 50 series dual catback exhaust, RainX Latitude windshield wipers, Husky rear floor liner (ontop of folded down seats). Console Vault.
    I've had the same Citibank card since I was 18..... (16 years). My husband and I use this card for 95% of things we buy and we pay it off monthly. And I mean everything...gas, groceries, amazon, clothes, etc.

    So, for us.....interest rate doesn't matter because we pay it off monthly.

    In the 16 years of having this card, no hassles, no worries. I don't know how they do it but they always spot fraudulent usage before we do. They've alerted us of about 5 times where someone used our card for purchases. All we had to do was fill out a report/affidavit and were never expected to pay the charges. Citibank actually goes after the vendor/retailer who allowed the purchases.

    And yes.....the sole reason I got the card when I was 18, was to build credit for the future.
     
  12. Jun 25, 2012 at 7:45 AM
    #12
    chadderkdawg

    chadderkdawg Don't ask questions you don't want the answer to..

    Joined:
    Apr 29, 2011
    Member:
    #55763
    Messages:
    8,185
    Gender:
    Male
    Des Moines, Iowa
    Vehicle:
    09 FX4 F150
    I got a discover with 24 months no interest, it may not be accepted everywhere, but it is a great card with a great online interface.
     
  13. Jun 25, 2012 at 7:47 AM
    #13
    krap22

    krap22 Well-Known Member

    Joined:
    Mar 20, 2011
    Member:
    #53389
    Messages:
    18,857
    If you are going to pay it off, get something with the best rewards.

    Wife and I just got a Capital One card with 1% cashback and then a bonus .5 % of what ever we spent that year. Pay it off every month and don't look back. It will help build your credit.
     
  14. Jun 25, 2012 at 7:49 AM
    #14
    98tacoma27

    98tacoma27 :POOPCORN: Thor

    Joined:
    Dec 18, 2008
    Member:
    #11714
    Messages:
    48,249
    Gender:
    Male
    First Name:
    Ben
    Beech Creek
    Vehicle:
    05 Tundra SR5, 88 SR5 PU, 98 TRD OR (CRUSHED)
    5100's all on fours
    18 + 16 = 34 :p

    ...and I hate CC's with a passion so I have nothing constructive to add. :eek:
     
  15. Jun 25, 2012 at 7:50 AM
    #15
    jtav2002

    jtav2002 Kenny Fuckin Powers

    Joined:
    Jun 29, 2009
    Member:
    #19074
    Messages:
    4,518
    Gender:
    Male
    First Name:
    Josh
    Reading, PA
    Vehicle:
    2013 Tundra DBL Cab TRD OR
    I have a Visa through our credit union at work as well as the Amazon Visa which is awesome if you shop on Amazon a lot. I pay mine off every month. Only time I'll purchase something if I can't pay it off right away is if the vendor accepts PayPal then I'll use the no interest no payments bill me later option.
     
  16. Jun 25, 2012 at 7:51 AM
    #16
    krap22

    krap22 Well-Known Member

    Joined:
    Mar 20, 2011
    Member:
    #53389
    Messages:
    18,857
    There is nothing wrong with CCs if used correctly. They are a great tool to build your credit, just don't fall for their crap and make sure to pay it off every month.
     
  17. Jun 25, 2012 at 7:52 AM
    #17
    98tacoma27

    98tacoma27 :POOPCORN: Thor

    Joined:
    Dec 18, 2008
    Member:
    #11714
    Messages:
    48,249
    Gender:
    Male
    First Name:
    Ben
    Beech Creek
    Vehicle:
    05 Tundra SR5, 88 SR5 PU, 98 TRD OR (CRUSHED)
    5100's all on fours
    Doesn't mean I can't hate them... :cool:
     
  18. Jun 25, 2012 at 7:59 AM
    #18
    theredofshaw

    theredofshaw Well-Known Member

    Joined:
    Aug 10, 2010
    Member:
    #41484
    Messages:
    3,319
    Gender:
    Male
    First Name:
    John
    OKC
    Vehicle:
    2011 Tacoma TRD sport DC
    Tailgate Anti-Theft Weathertechs Wet Okoles TW Sticker! Pop N Lock Handle TonnoPro Tri-folding cover
    I have the Capital One Venture card,2 miles for every dollar spent. the way I do it, is I use it like my normal debit card and as soon as I buy something, later that day I'll set up payment through my credit union's web bill pay. Not sure if this is doing anything helpful for my credit report (don't have any issues in that department anyhow), but I never have to worry about missing a payment.
     
  19. Jun 25, 2012 at 8:01 AM
    #19
    whippersnapper02

    whippersnapper02 Well-Known Member

    Joined:
    Dec 20, 2009
    Member:
    #27905
    Messages:
    35,266
    Gender:
    Male
    First Name:
    Christian
    Yorba Linda, CA
    Vehicle:
    10 MGM TRD OR 4wd Auto DCSB
    Banks Monster Exhaust, Pop n Lock tailgate lock, Hook-Ups tie down brackets, USA Spec Ipod adaptor, WO seat covers, color matched grill with Grillcraft insert, Tuffy locking bed box
    Watch those APRs. I'm dumping a high APR car for something with a lower APR and it is from my own bank.
     
  20. Jun 25, 2012 at 8:01 AM
    #20
    krap22

    krap22 Well-Known Member

    Joined:
    Mar 20, 2011
    Member:
    #53389
    Messages:
    18,857

    I just set an automated payment up that will always pay the minimum amount. That way I can never have a late payment. I then go in once a month and pay the full amount that is due.
     
To Top