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Credit card?

Discussion in 'Off-Topic Discussion' started by Witchdr76, Sep 1, 2019.

  1. Sep 1, 2019 at 10:17 PM
    #1
    Witchdr76

    Witchdr76 [OP] Well-Known Member

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    im in the market for a card but I’m not sure what to get.. they all seem to have high apr’s after the first year or so.. I don’t travel much. I probably wouldn’t use it all the time(not for daily purchases) any suggestions?
     
  2. Sep 1, 2019 at 10:19 PM
    #2
    Taco critter

    Taco critter Mall crawler proud , patw and ,ttc#0247

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    Welcome to tw:spending:
     
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  3. Sep 1, 2019 at 10:27 PM
    #3
    mcm808

    mcm808 Well-Known Member

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    depends on your needs. any credit card you want to use every billing cycle and pay off as to gain credit. having an open card and not using it doesn't help you. I think there's a site that can compare cards for you...
     
  4. Sep 2, 2019 at 5:43 AM
    #4
    Marshall R

    Marshall R Well-Known Member

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    Your local bank or Credit Union will most likely issue you a card at the best rate. At least to start with. If you prove to use credit wisely you'll get offers in the mail that may offer better rates.
     
    tcBob and Bunk Moreland like this.
  5. Sep 2, 2019 at 5:57 AM
    #5
    toyotatacomaTRD

    toyotatacomaTRD Senior Member

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    If you're looking at a credit card APR rate, that means you'll be purchasing things you can't afford. In my opinion, if you've already got one credit card, it's enough. I'd educate yourself on them heavily by people who are successful with money. Good luck to you.
     
    Nirvana, PzTank, CJREX and 2 others like this.
  6. Sep 2, 2019 at 7:18 AM
    #6
    rtzx9r

    rtzx9r Well-Known Member

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    Agreed. Pay off the balance each month and the apr doesn’t matter.
     
    wood714, PzTank, stbear and 4 others like this.
  7. Sep 2, 2019 at 7:25 AM
    #7
    hikerduane

    hikerduane Stove & lantern collector, retired

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    I had a Sears card for years. Used it to get appliances for the house I bought back in the late 70's. Pay off in two months for major purchases, get more credit established.
    Duane
     
  8. Sep 2, 2019 at 11:29 AM
    #8
    Bunk Moreland

    Bunk Moreland Well-Known Member

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    That way worked in the 70's, and unfortunately hasn't in the last 20+ years.

    If your intent is to a build credit (build a credit rating) you need to keep a monthly balance on a credit card, or have an active, current installment account (mortgage, car payment, student loans, etc.)

    Getting and using a credit card, but paying it off every month, won't help you build a credit rating--and will actually hurt your credit rating when the credit card company reduces your available limit (which has happenend to me) --for paying it off every month, and for not using enough of my credit limit.

    It's really just gaint a shell game! And not knowing the rules (which are constantly changing) can easily land you in a shits-ville. Remember, insurance rates (also constantly changing) are based almost entirely on credit rating.

    Like someone else said; get a CC from your local credit union. You're less likely to get screwed, but it you do, they'll generally lube-up first.
     
    Last edited: Sep 2, 2019
    Nirvana likes this.
  9. Sep 2, 2019 at 11:43 AM
    #9
    OnePuttBlunder

    OnePuttBlunder Well-Known Member

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    Been very happy with my chase freedom unlimited card. I got in on a really good promo offer as an existing chase client. Offer wss 12 months no interest and $300 in cash back plus another $50 for adding my wife as an authorized user. Then 1.5% cash back on all purchases. Think the requirements was $3000 in spending in 90 days to unlock the cash back promo. But I signed up for it right when we were booking our Hawaii trip so that was easy to hit. I don't use it a lot but a year later I've got over $500 in cash back sitting there plus have not paid a dime of interest. Just paid off the balance before the interest free period ended.

    My general rule on everyday purchases other than mortgage or car is if I can't afford to pay cash then I can't afford it. So what I do is put big purchases on the card then pay it off in the first cycle to avoid interest but get the 1.5% back
     
  10. Sep 2, 2019 at 11:48 AM
    #10
    Falldownhard

    Falldownhard Well-Known Member

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    Things and Stuff.
    I believe capital one has a few lower apr cards, but those usually aren’t cash back or rewards type cards. Usually any credit company doing a reward card is going to have a higher apr to help off set the rewards they dish out. But like everyone said, if your pay your balance in full you won’t pay any interest.
     
  11. Sep 2, 2019 at 12:05 PM
    #11
    hikerduane

    hikerduane Stove & lantern collector, retired

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    RCI sliders fuel tank skid plate, tail gate insert
     
  12. Sep 2, 2019 at 12:22 PM
    #12
    Witchdr76

    Witchdr76 [OP] Well-Known Member

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    Good! I don’t need to establish credit. Mine is good. I did get a chase freedom last night after comparing cards and offers and stuff.
     
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  13. Sep 2, 2019 at 12:22 PM
    #13
    rnish

    rnish Well-Known Member

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    REI cc if you are into camping and out doors stuff.

    Amazon and E-bay both have cc’s. Shop much?

    Sony has a cc, need a new TV?
     
  14. Sep 2, 2019 at 12:26 PM
    #14
    huachuca

    huachuca Well-Known Member

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    I wouldn't be concerned about APR's - there are usually much better ways to borrow money than with a credit card should you need to do so. Check with your bank for a no fee cash rewards card. If you buy something with a 'no interest for xx months' feature, be sure to divide the total purchase amount by the number of zero interest months and put that much aside EVERY month. Pay all other purchases in full each month.
     
  15. Sep 2, 2019 at 12:29 PM
    #15
    hikerduane

    hikerduane Stove & lantern collector, retired

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    RCI sliders fuel tank skid plate, tail gate insert
    I may not have been clear earlier. I got a Sears card back in the late 70's to spread payments out to a couple months for necessary appliances. Paying one off then getting the next, not to establish credit. Paid cash for my '16 Taco.
    Duane
     
  16. Sep 7, 2019 at 6:53 AM
    #16
    81shark

    81shark Well-Known Member

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    2% minimum cash back or go home
     
    Falldownhard and Witchdr76 [OP] like this.
  17. Sep 8, 2019 at 2:40 AM
    #17
    06Tacooo

    06Tacooo Earth Czar

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    Run everything through a Discover card. You can easily make $30 or more per month. It's like a part time job, without any work.
     
    Last edited: Sep 15, 2019
  18. Sep 10, 2019 at 8:25 PM
    #18
    HawkShot99

    HawkShot99 Well-Known Member

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    I got a wells fargo cc because they insured my cell phone as long as I paid for it with the card.
    I have never not paid te entire balance every month. To me it's a debit card with benefits. Only thing I borrow for is my truck, and about to close on a mortgage.
     
    Witchdr76 [OP] likes this.
  19. Sep 10, 2019 at 8:32 PM
    #19
    TACORIDER

    TACORIDER Just another statistic

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    4 of my credit cards are through chase and I use it everyday for food or gas and pay it every week. The other cards like American Express capital one and diamond I use randomly on trips them pay when we get back
     
    Witchdr76 [OP] likes this.
  20. Sep 11, 2019 at 11:38 AM
    #20
    PzTank

    PzTank ☕️

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    I hope they’re all no fee cards.
     

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