Recomend me a credit card

Mike O'Neil · 05-16-2007, 11:13 PM

I have had credit cards in the past. I paid my previous 3 off and cancled them. Im thinking this hurt my credit score quite a bit. Anyway im looking to get one card. I want atleast a 1000 limit no annual fee and under 15% intrest. Im 23 my credit score is 670 and I make 26,000 a year. So recomened me a card I can apply for online that you have had good expercenes with and seem to be generous with there credit limit. The higher the better. Thanks in advanced guys

J-Fight · 05-16-2007, 11:15 PM

Dude, get a Citi Card... you get 5% cash back on supermarkets and 1% on everything else. It's much more generous than Discover

Mike O'Neil · 05-16-2007, 11:23 PM

Quote:

Originally Posted by J-Fight

Dude, get a Citi Card... you get 5% cash back on supermarkets and 1% on everything else. It's much more generous than Discover

I looked into because I have a loan with citi. But it looked like there apr fluxuated "spelling owns me"

**Oeshon** · 05-16-2007, 11:56 PM

why would you want a credit card?

Mike O'Neil · 05-17-2007, 12:04 AM

To bump my credit score up some and just incase of emergencys

anaconda · 05-17-2007, 01:46 AM

best card overall is amex, imo...best policies, will reimburse you for everything purchased fraudulently, up front about their policies, insure everything you buy, etc.

of course, with this, they are harder to get than other cards.

The Korean · 05-17-2007, 01:52 AM

Quote:

Originally Posted by anaconda

best card overall is amex, imo...best policies, will reimburse you for everything purchased fraudulently, up front about their policies, insure everything you buy, etc.

of course, with this, they are harder to get than other cards.

Where did you hear that they are harder to get than other cards?

Mike O'Neil · 05-17-2007, 11:14 AM

im leaning towards the citi getting ready to look into amex

Mike O'Neil · 05-17-2007, 11:23 AM

http://www.citicards.com/cards/wv/fi..._FEE&x=52&y=10

Can somebody provide some info on the rates of the first two cards. Im not understanding the variable rate. Does that mean that my apr could be diff each month. If so thats deff a x for these cards. I would apreciate any help

coopdro · 05-17-2007, 11:29 AM

Quote:

Originally Posted by anaconda

best card overall is amex, imo...best policies, will reimburse you for everything purchased fraudulently, up front about their policies, insure everything you buy, etc.

of course, with this, they are harder to get than other cards.

I don't know if they're harder to get or not, but they have been good to me over the last 3 years or so. Generous spending limit w/ my AMEX Blue card. Don't just get the regular AMEX card as you'll have to pay the balance every month and that doesn't really help your credit since you're really not financing anything.

My biggest issue w/ AMEX is that they're not accepted everywhere.