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Monday, July 18, 2005

Fixed Rate Credit Card Offer

Author: Guest
Title: Fixed Rate Credit Card Offer
Posted: Thu Jul 01, 2004 2:20 pm

My At&t MC is offering to change my 7.99 variable to a 7.99 fixed. Also they're giving me 0% on new purchases for 6 mos. This is after refusing to lower my rate. Good or bad?

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Ira
Title: Fixed Rate Credit Card Offer
Posted: Thu Jul 01, 2004 7:51 pm

In this era of RISING interest rates, why even ask? You'll never see a permanent fixed rate lower than 7.9%. Just remember to ALWAYS get your payments in on time or you'll see just how fast they can raise that "permanent" rate

Author: Guest
Title: Fixed Rate Credit Card Offer
Posted: Fri Jul 02, 2004 9:42 am

Agreeing with Ira 100%. Be happy you got 7.9% fixed

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Guest
Title: Fixed Rate Credit Card Offer
Posted: Fri Jul 02, 2004 5:29 pm

I thought so but I wanted to run it by a pro. I'm very suspicious of anything that these CC co's do. I have ADD and when someone reads me a five minute agreement in legalese my brain gets frazzled. I also called back the next day ( they can only process one offer at a time) and got them to give me 0% on new purchases for 6 mos. Thanks.

FYI, When I applied for a Discover 0 for life on BTs, It offered 8.99 and without asking, they gave me 5.99.?? Not complaining!

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!

posted by CardRatings.com at 6:42 PM 0 comments

Cash Back Credit Card Offer

Author: Board Monitor
Title: Cash Back Credit Card Offer
Posted: Wed Sep 08, 2004 4:56 pm

This message posted by e-mail request from one of the visitors to our site:

Hi. We recently accepted the offer from AT&T Universal card for a Zero Percent introductory with 5% cash back on groceries and drugs.

This sounds too good to be true. But I noticed it is listed on your home page as a really good deal.

We have really good credit (only downgraded because we don't carry balances) and really want to keep it that way. Will appreciate any information.

Thank you.
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Ira
Title: Cash Back Credit Card Offer
Posted: Thu Sep 09, 2004 12:57 am Post subject:

What information do you want? You got a great offer, take full advantage of it, and laugh all the way to the bank. There are a few other such offers out there. When you find one, run with it. It can't hurt.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: nativechild48
Title: Cash Back Credit Card Offer
Posted: Thu Sep 09, 2004 3:26 pm

Maybe a good offer, but read the users opinion:

http://premiumcreditcard.cardratings.com/partners/links/cardholders/details.asp?idmin=27&parid=9025413

http://premiumcreditcard.cardratings.com/partners/links/cardholders/details.asp?idmin=1832&parid=9025413
_________________
native

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Ira
Title: Cash Back Credit Card Offer
Posted: Thu Sep 09, 2004 8:16 pm Post subject:

I don't know if I'm the exception or the rule, but I never have the kind of problems depicted in those posts. I pay my entire balance in full every month, on time, and nobody ever bothers me. The few times I hve been a day or two late I have called customer service and apologized. Regardless of which card is involved, they have invariably credited back the late fee and the finance charges. On one MBNA card I offered to pay the finance charge since it was my fault that I was late, but the CSR said no need, you've been such a good customer I'll just waive it. I wish I could tell you what I'm doing right and the others are doing wrong. If I could figure it out mabe I could bottle it and sell it.

Oh by the way, there really is an S. Larson at Citibank. Honest!

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Eugene
Title: Cash Back Credit Card Offer
Posted: Thu Sep 09, 2004 10:18 pm

While reading those consumer reviews, we have to remember that people are much less likely to tell everybody when they are happy with a service than if they feel they have been wronged.

I am another happy Citibank customer, have the same card (well, mine is called Dividend card, but it's the same reward program from the same issuer). They have been great to me over the years.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!

posted by CardRatings.com at 5:24 PM 0 comments

American Express Blue Credit Card Offer

Author: referee 111
Title: American Express Blue Credit Card Offer
Posted: Wed Dec 31, 2003 12:22 pm

Just received a Great offer from American Express Blue Card. Offer is as follows; It was a Direct Mail offer.. 0% Balance Transfer for 12 months.. No Balance Transfer fee with offer.. Purchase rate is 7.9.. I am not going to apply for this , but If anyone else did get this offer.. There are a couple of negative points in regards to this offer if it is not used correctly.. 1. Grace Period is only 20 days.... 2. If you do not pay off your Original Balance transfer Balance with in the 12 month Promotional period, the balance that is left will go to The rate of 17.99, not the usual purchase rate of 7.9...///3. if you Miss the due date of a payment.. Your account becomes over the limit, returned checks,ect , your APR can go as high as 23.99%.. 4. also as is the case with most Balance Transfer offers, your payments will go to the Balance transfer balance first , and any purchases are made with card, your purchase balance will continue to accrue interest each month until the balance transfer rate is paid..
If you are able to pay the Balance transfer off within the 12 months it is a great offer... Has anyone on the board received this offer and is now presently using it?

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Ira
Title: American Express Blue Credit Card Offer
Posted: Wed Dec 31, 2003 1:28 pm

None of the "negatives" you mention are negative. They're simply the rules of the game. Everything in life has rules. In baseball you must run within the base lines, in basketball you cannot travel, etc. Would you say that driving is bad because you have to observe the speed limit and you must stop for red lights, and there are penalties if you violate these rules? Nonsense!

Follow the rules and the AEBC offer is a wonderful thing. Break the rules and it will bite you. It's as simple as that. Why even ask whether others have taken advantage of the offer? It's a legitimate offer from a legitimate issuer. There are many other such offers around. If you qualify, go for it.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Guest
Title: American Express Blue Credit Card Offer
Posted: Wed Dec 31, 2003 3:03 pm

Ira wrote:
None of the "negatives" you mention are negative. They're simply the rules of the game. Everything in life has rules. In baseball you must run within the base lines, in basketball you cannot travel, etc. Would you say that driving is bad because you have to observe the speed limit and you must stop for red lights, and there are penalties if you violate these rules? Nonsense!

Follow the rules and the AEBC offer is a wonderful thing. Break the rules and it will bite you. It's as simple as that. Why even ask whether others have taken advantage of the offer? It's a legitimate offer from a legitimate issuer. There are many other such offers around. If you qualify, go for it.

Ira,
You are 100 % correct in stating that they are the rules of the game.. The only point that I was trying to make , that is a lot of times, People are so happy to have the 0% offer that they apply , get approved and use their available credit at 0%, and they did not read all of the items that I mentioned and you said that are rules of the game.. That is very True..
Happy new year to you Ira..

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Guest
Title: American Express Blue Credit Card Offer
Posted: Wed Dec 31, 2003 4:20 pm Post subject:

Uh. NO!

Sorry to burst the bubble. Plenty of people are disciplined enough to take a 0% offer and use it wisely so that when the intro period ends only a small balance if any exists. Then, a wise person would call and ask for a lower rate, if none is offered you have the choice to stay or leave.

If you max it out and then call for a lower rate after the intro, you have no such choice and are at the mercy of the bank.

Played right, 0% is a super duper offering for the consumer.

More than likely, you are disciplined otherwise an offer like this would not have been made.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!

posted by CardRatings.com at 4:33 PM 0 comments

AT&T Credit Card Offer

Author: dave
Title: AT&T Credit Card Offer
Date: 9/1/2000 3:54 pm CDT

I have received a solicitation for a card and was wondering if anyone has experience with this bank and what your thoughts are. Especially interested in the quality of customer service and how often credit line increases are granted.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Board Monitor - CA
Title: AT&T Credit Card Offer
Date: 9/2/2000 1:12 pm CDT

Dave,

Thanks for your post - I always enjoy reading your insights about credit cards and hope you will continue to use our board (I'm assuming your the same Dave that has posted previously).

We rate the Universal Card very highly in our "Low Intro Rate Report" and many consumers have applied for this card through the link on our site. Though the Universal Card does not sponsor our site, I would personally recommend this card...because I am a cardholder myself. I can't comment on credit line increase, because I have only had the card for about six months, but I do know that their customer service has been great. I have called them a few times and have always been satisfied with the level of customer service.

You also get a free calling card...at least I did. You can find out more info. about this card by visiting their web site...

http://www.universalcard.com

Hope this helps!

Best Regards,
Curtis Arnold
CFCCT P.R. Director
http://www.cardratings.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: dave
Title: AT&T Credit Card Offer
Date: 9/2/2000 1:20 pm CDT


Curtis-

yes, i am the sam dave and thanks for the compliment and your information about this card. think i'm going to apply. i have about $4K on another card at 16% so the balance transfer deal would be good for me.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Eugene Skorodinsky
Title: AT&T Credit Card Offer
Date: 9/3/2000 11:07 pm CDT

Dave, this card is issued by a Citibank affiliate, and to my experience, Citibank is on of the best in customer service.

If you got the same offer I got, with a choice of 1.9% APR on balance transfer amounts of $3,500 or more, or 2.9% APR on lesser amounts, be aware that the 1.9% APR applies ONLY if you transfer balance at the time of accepting the application (I am not sure about 2.9% one). It was very unclear in their offer, so don't make the same mistake I made. Later, 2.9% applies instead of 1.9%.

About the free $100 in phone calls, the rates are just outrageous, so it's not gonns last long. It's better than nothing, though.

Eugene.

CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!


Author: Board Monitor - CA
Title: AT&T Credit Card Offer
Date: 9/4/2000 1:55 am CDT

Dave,

You might want to also read the posts (if you haven't done so already) in our new Cardholder Card Reviews section (click on "Card Reports" and then click on "Card Holder Reviews". I noticed 4 posts about the Universal Card (would love for you to post a review later as well).

Let us know how things turn out!

Best Regards,
Curtis Arnold
CFCCT P.R. Director
http://www.cardratings.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!

posted by CardRatings.com at 4:12 PM 0 comments