Credit Card Discussion Thread

[winb83]

So guys, give me a hand here. I am in a position now to pay off my CC debt of 12k( personal and business) chase in business and Capital one Quiksilver.

Would you pay them off totally or just drop them under 10%. I need another car and I was thinking of briniging the score back up to 790+ so my rate on the car can be better.

What do you guys think ? All advice appreciated.

Never keep any credit card debt. Credit card debt is very expensive to have. Unless you're moving that to a 0% rate card or it's already on it I would pay it off right away. Credit card debt comes with interest rates typically in the teens.

 

[Astroslik]

What’s a good no annual fee credit card to get? I’m thinking the Citi double cash. Looking to get a filler credit card just to increase my credit limit.

 

[DJSmooth]

They bumped the Amex up to 22K

 

[ViShawn]

What’s a good no annual fee credit card to get? I’m thinking the Citi double cash. Looking to get a filler credit card just to increase my credit limit.

Chase Freedom/Unlimited.

 

[-DMP-]

fukk Uber visa.

That is all.

 

[TRFG]

I have that everyday blue card with a 25k limit but I just feel like using my Amex platt card instead of it.

 

[DrDoom]

I have that everyday blue card with a 25k limit but I just feel like using my Amex platt card instead of it.

Me too 33k limit. Been looking into the gold or platinum, but i want to diversify my credit card portfolio. Thinking of grabbing a marriot visa. I have great status with them and looking to keep it

 

[TRFG]

Me too 33k limit. Been looking into the gold or platinum, but i want to diversify my credit card portfolio. Thinking of grabbing a marriot visa. I have great status with them and looking to keep it

Get the platt if you travel a lot

 

[DrDoom]

Get the platt if you travel a lot

I been to the lounge in philly and the DR. It was awesome. I need it for those bills that don't accept amex. I have somewhere free flights, but need hotel rewards

 

[Silkk]

Coming for that gold card this year

 

[ViShawn]

If y'all want a Chase Ink Preferred referral (up there with the Chase Sapphire Preferred / Reserve with bonuses and only a $95 annual fee) holla at me.

 

[Notorious Jerry]

Hey brehs im trying to get on a track of good credit. Im close to the point of applying for my first real credit cards, currently I bank with Navy Fed and ive been looking into both their More Rewards card and Flagship Black Card. Those good moves or what should I look for in a good daily card and a travel card? Suggestions are greatly appreciated.

 

[ViShawn]

Hey brehs im trying to get on a track of good credit. Im close to the point of applying for my first real credit cards, currently I bank with Navy Fed and ive been looking into both their More Rewards card and Flagship Black Card. Those good moves or what should I look for in a good daily card and a travel card? Suggestions are greatly appreciated.

I'm all for the Chase family.

- Chase Sapphire Preferred is a great/balanced travel rewards card with a really good bonus. $95 annual fee.
- Chase Freedom is a good rotating cash back card for your purchases for certain categories up to 5%.
- Chase Freedom Unlimited gives you a flat 1.5% cash back on all your purchases.

Just my opinion!

 

[Notorious Jerry]

I'm all for the Chase family.

- Chase Sapphire Preferred is a great/balanced travel rewards card with a really good bonus. $95 annual fee.
- Chase Freedom is a good rotating cash back card for your purchases for certain categories up to 5%.
- Chase Freedom Unlimited gives you a flat 1.5% cash back on all your purchases.

Just my opinion!

Thanks for your suggestions I been doing a lot of research on the chase line it's good to hear feedback on them, does having a relationship with them prior to applying matter?

 

[Obreh Winfrey]

It's insane how utilization affects credit scores. My Quicksilver went from 0% to 1% utilization and one of my scores jumped up 16 points.