Credit Cards

phobicsquirrel

I'm wondering what company you people have. I have capital one right now and they piss me off. I hate membership fees and even though they waive them it's still a pain. I'm looking for a good card and company and no member fees. Anyone have any ideas?

sightunseen

I recommend going through your local credit union, since they are not formed for profit, savings typically gets passed down to members.

fla-gypsy

sightunseen:

I recommend going through your local credit union, since they are not formed for profit, savings typically gets passed down to members.

+2

kuzi16

Goldy

I have an american express blue that gets me 5% cash back on gas, groceries and drugstores which is nice. I also have a bank of america card incase people dont take AMEX but BoA kinda sucks compared to amex. Example, when trying to pay a bill, amex allows you to pay same day while BoA requires 3 days of processing time, aka, forget to pay the bill till 2 days before its due and its late. AMEX also has a better website.

cabinetmaker

USAA, only problem is they often decline payment to online cigar joints (read ccom). Other than that they are ok.

Vulchor

Renaissance_Man

Credit Unions are best... Also Chase, but only cause I worked for them once...

kuzi16

kuzi16

sightunseen

ScottTDawg

Fourtotheflush

Citi and I pay off 100% of the balance every month to avoid any fees.

poypoyking

There isn't a good credit card company. If you don't have cash for something you should not buy it. The exception to this is a mortgage for a home. There is over $850 billion in credit card debt in this nation. The average household (that has credit cards) has almost $16,000 in credit card debt. How is that a good idea? Your visa check card can do pretty much anything that your credit card can do. I only ran into a problem one time where a hotel did not want to take the check card for a deposit, and I just went right across the street and got a better room for the same price. Sorry if I came on a little strong, I have seen too many family members' and friends' lives ruined by credit cards. Feel free to ignore me, just my opinion.

mrpillow

The vast majority of the time I use my debit card I have with the local bank. On top of that I have a Capital One Student Rewards card that I use on purchases such as food and clothing top earn the cash back. I keep the balance low, pay it off in full every month and only have it to help build my credit score up. I've never had any problems with Capital One, and I'm sure most every company is a great credit card company if you get one with no annual fees and only use it when you have the funding to pay it off in full every month.

phobicsquirrel

Thanks for the quick responses guys. I think I'll just go a head and get one through my credit union then. Never really thought of it.

phobicsquirrel

poypoyking:

There isn't a good credit card company. If you don't have cash for something you should not buy it. The exception to this is a mortgage for a home. There is over $850 billion in credit card debt in this nation. The average household (that has credit cards) has almost $16,000 in credit card debt. How is that a good idea? Your visa check card can do pretty much anything that your credit card can do. I only ran into a problem one time where a hotel did not want to take the check card for a deposit, and I just went right across the street and got a better room for the same price. Sorry if I came on a little strong, I have seen too many family members' and friends' lives ruined by credit cards. Feel free to ignore me, just my opinion.

true, very true. I like the rewards for travel though..

poypoyking

I don't know why my formatting disappears every time I submit my post :P

Russ55

None! Payed off, and gone. Never again will I use a credit card. Those things are evil. Actually, I think we still have a shell card now that I think about it. I never use it, but it's there I guess. I like the credit union idea though. We need to change banks. We had wa mu, but then it got gobbled up by Chase. I think I hate chase more than I hated BofA. I'm tired and rambling.

lilwing88

I used to have major credit card debt. Had like three cards maxed out at one point. I finally paid them all off and canceled them all. I fixed my credit and brought my score up. But my score could never get above 780 for some reason. Then someone suggested I get one credit card and just never use it or use it minimally. I guess it's good to have open lines of credit. So, I have one card that gets me airline miles and I keep it paid off and now my credit score is well over 800. I have a US Airways Dividend Card, not sure what bank it is. No annual fee and I think a 12% interest rate. I think once I use the miles, I'm gonna switch to a Cabela's or a GM card. Might as well get some rewards points that I can use for stuff I like! My bank card also gets me a ton of points through citibank. I'm saving those up for a Disney World trip with the kids in a couple years.