Author: Michael Posted: Wed Jul 07, 2004 4:41 pm Post subject: Lowering Credit Card Limit
2/12/2002 10:17 am CDT
Every year Discover raises my limit around Christmas, in the hope that I will spend more with the card. The limit is now $15,000. I wonder if lowering it to $10,000 will help or hurt my credit rating. I have other cards, and I pay my balance in full each month. I cannot envision when I would ever charge this much on Discover, especially now that they have changed their rebate terms. I do want to keep the card, since I have had it since 1986. I just don't want to be maxed out on my credit reports regarding unsecured credit.Does anyone have an opinion?
Leave your discover card the way it is. The higher your overall credit line the better for your credit rating. What creditors look for is an average of your debt against total credit line. The higher this is, the lower your debts will look.
What is not good is to have all credit cards used to the limit. It's better to store your card safely and not use it.
If your limit is lowered, it might show up on your credit report without explaining you asked for it, so it will look questionable to other creditors in the future.
Author: dave Posted: Wed Jul 07, 2004 4:43 pm Post subject: Lowering Credit Card Limit
2/12/2002 8:50 pm CDT
I agree with Maxy. If you get into a situation where you are applying for a mortgage and the lender thinks you have too much available credit, you can always close some accounts or ask for lower limits. Otherwise, you're doing just fine with the 15K limit.
Author: Doug Schmidt Posted: Wed Jul 07, 2004 4:36 pm Post subject: Credit Card Terms and Conditions Review 2/13/2002 0:21 am CDT
Is the minimum finance charge, the minimum amount you have to pay each time you get the bill IF you did not buy anything at all? I noticed > the minimum finance charges are around $0.50 to $1. Just need confirmation > from you. Thanks
Author: Eugene Posted: Wed Jul 07, 2004 4:36 pm Post subject: Credit Card Terms and Conditions Review
2/13/2002 0:29 am CDT
Is the minimum finance charge, the minimum amount you have to pay each time you get the bill IF you did not buy anything at all?
No, it's the minimum interest you have to pay IF any interest is due. Most of the times it means that if you did not pay the full balance due by the due date, you will owe AT LEAST the minimum finance charge, even if you paid everything but a penny by the due date, and paid that penny a minute after the due date cut-off time.
Author: Frank Posted: Wed Jul 07, 2004 4:16 pm Post subject: Platinum Credit Card Tip 2/15/2002 4:25 pm CDT
Awhile back I was jumping around and found a website like this one about credit cards and discussions about them but I can't seem to find the original one. No matter. The question I had was I remeber there was topics about some of the harder cards to get with better interest rates and services. Some of the people where trying to get these cards and I am not sure if they were capital one or citibank cards. I am refering to Platinum cards and my credit is good. Anyone have a thoughts or know what the harder ones to get are that have the good rates and services? This might be a little vague but I hope you have some ideas. Thanks
Author: 84s10 Posted: Wed Jul 07, 2004 4:14 pm Post subject: Most Universally Accepted Credit Cards
2/15/2002 10:16 pm CDT
In one were going to get a credit card and wanted to get a card that is accepted for transaction in the most places (in the United States)...would it be a VISA, MASTERCARD, American Express, or what...? Been trying unsuccessfully to find some statistics on this...I would assume the most widely accepted card is Mastercard, then VISA...just based on observation of places I frequent.
Does anyone know if there are some statistics available on this and where I could find them ?
Author: Dr. Bill Lavinski Posted: Wed Jul 07, 2004 4:15 pm Post subject: Most Universally Accepted Credit Cards
2/16/2002 4:07 am CDT
Well...assuming I understand your question, Mastercard is the most universally accepted card in the world. American Express, Diner's Club and even Discover card are the least accepted. Merchants pay a small percentage on every trnasaction on Bank Cards (American Express and such are NOT BANK CARDS). Simply put, they cost the merchant TOO much money to bother with. American Express is starting to lose its luster and has been suffering great loses all over the world. People with good credit refuse to pay annual fees anymore and their "Blue" card layed an enormous egg (seems their "smart" chip wasn't).
Author: R Posted: Wed Jul 07, 2004 2:40 pm Post subject: Credit Card Retention Offers
2/17/2002 10:09 am CDT
I was wondering if anybody reading this board would be willing to let me know what types of Retention offers you have been receiving when you call to close out your accounts?
The more information you give the better...such as how much your previous rate was and what they offered, etc.
Author: Matt Posted: Wed Jul 07, 2004 2:40 pm Post subject: Credit Card Retention Offers
2/18/2002 11:58 pm CDT
I had a Prime plus 7.99% on my Citibank Plat Mastercard that was opened early January of this year. They asked me why I closed, and I said due to the high interest rate. The lady then asked me what rate I had gotten, and I said 8.9% fixed, so she offered me a Prime + 2.9% which equals 7.64%. I'll take it I said! WOW, I was shocked, especially being with the company for a mere month. Maybe I just hit the right CSR.
I had a Diners Club card for years and was offered enough club points as a bonus each year to offset the annual fee. When my charges declined during a slow business year, they did not make me the same offer. I guess they were basing their decision on my annual spending which exceeded $100K a year.
Author: Jason Posted: Wed Jul 07, 2004 2:38 pm Post subject: First USA Bank Cash Rewards Credit Card Review
2/18/2002 2:32 pm CDT
I got a mail from First USA Bank offering this credit card call First USA FREE CASH REWARDS Visa. Have anyone heard of this First USA Free Cash Rewrads card? The card itself look exactly like the First USA CASH$In Card I saw on the web but it has the word First USA FREE CASH REWARDS instead of CASH$In on it. And the different is you can earn 1% flat rebate. You earn 1 point for every $1 spent on purchases. Then, every 2,500 poitns, you can take your pick of either $25 check or a gift certificate valued at $25 to some of the stores including, JCPenney, Best Buy, Home Depot, Olive Garden/Red Lobster, Barnes & Noble, Pizza Hut, etc.
Author: Ping Posted: Wed Jul 07, 2004 2:39 pm Post subject: First USA Bank Cash Rewards Credit Card Review
2/25/2002 4:14 pm CDT
I got it last year with 6 mos 0 APR on purchase.
Author: ldh Posted: Wed Jul 07, 2004 2:39 pm Post subject: First USA Bank Cash Rewards Credit Card Review
2/18/2002 6:18 am CDT
I am trying to transfer my high interest cards to a card with a lower interest so I can cancel those cards. I have AT&T Platium, and Providan Gold (which informed me that my rate will not go up), and Providian Mastercard. I am only wanting to transfer around $3000 and close the Mastercard account. When I apply I get the to many inquires on my credit report. Anyone know of a card that I can try to get and do the balance transfer or am I stuck until the inquires come off.
Author: mouse Posted: Wed Jul 07, 2004 2:35 pm Post subject: USA Gold Credit Card Review
2/18/2002 10:13 pm CDT
DOES IT SAY VISA/MC?
If it doesn't say it, trash it!!! It is a catalogue shopping card (over-priced junk).
JC PENNEYS has free shopping, no $39.00 or $59.00 or $159.00 to join.
Author: BRIAN Posted: Wed Jul 07, 2004 2:36 pm Post subject: USA Gold Credit Card Review
2/18/2002 11:23 pm CDT
Mouse, Thanks a lot.
It doesn't say either mc/visa. I had others try to offer me similar deals and knew it was too good to be true. They dress it up with the appearance and wording of a credit card, but it's not a visa/mc. I thank you again for your insight.
Author: Ivana Posted: Wed Jul 07, 2004 2:37 pm Post subject: USA Gold Credit Card Review
3/27/2002 3:22 pm CDT
The USA Gold card is designed to help rebuild credit. It is a merchandise card, which means you can only use it on the USA SHOP SMART site and related catalogs. The good news about the card, there is no interest, great products to choose from and one of the best customer service teams I have delt with. They do give you leads to find actual credit cards. The site is usashopsmartonline.com should you want to review the site.
Author: BRIAN Posted: Wed Jul 07, 2004 2:27 pm Post subject: First Time Mortgage Tips 2/19/2002 0:32 am CDT
Who's realistic for 1st time homebuyers, fast getting it done, understanding that there are a few glimishes to credit, but no bankruptcy for a middle class worker?
Author: Linda Bonard Posted: Wed Jul 07, 2004 2:18 pm Post subject: Credit Card Ratings 2/19/2002 10:15 am CDT
Has anyone done a study or rating on companies that provide credit card processing services? We are trying to find a vendor to provide the processing of credit card transactions, and it is very confusing. Our bank uses Nova, but their PC-based product will not work on a LAN and is modem-based; they do not have an internet product. I received advertisements from CardService International and am interested in their Internet product...can work from multiple PC's in the office and no modem is required (we have our own web site and internet access). I am sure there are more vendors out there similar to CardService Int'l, but I don't want to spend time reviewing a vendor unless they are reliable, dependable, and long-term.
Author: dave Posted: Wed Jul 07, 2004 1:43 pm Post subject: Credit Card Cash Advance Tips
2/23/2002 1:17 pm CDT
I don't understand why some people on this board are shocked that credit card companies apply payments first to lower APR balances first. It is customary for companies to do that and every agreement I've ever read allows for it.
Anyone who wants a cash advance should take it on a zero balance card. That way, the entire payment goes to the cash advance.
Another option (at least with some companies) is to send in a separate payment designated for the cash advance portion of the balance. This is sometimes called "exception processing."
To avoid the problem altogether, find a company like MBNA that charges the same rate for purchases and cash advances. Then it doesn't matter how the payment is credited.
MBNA AMERICA will do a balance transfer into your checking account...$40.00 @ what ever the purchase rate is, or at the BT rate if they give you a promo rate.
Author: dave Posted: Wed Jul 07, 2004 1:44 pm Post subject: Credit Card Cash Advance Tips
2/23/2002 10:42 pm CDT
Mouse,
I agree with you that this is true with most banks. MBNA seems to be the exception. I get convenience checks from them with every statement and another batch half way through the statement period. Usually, they offer attractive rates like 1.7 APR for a limited time. Mostly I use the card for cash advances or balance transfers. This is because my business income is uneven and sometimes I have to borrow some short term funds and I can't think of a cheaper place to get it. Getting money at 1.7 is certainly attractive. MBNA is the only bank I've seen that encourages cash advances. I've gotten several CL increases using the account this way but I also pay down large debt in short periods of time.
Author: ldh Posted: Wed Jul 07, 2004 12:47 pm Post subject: Tips on Paying Off Credit Cards
2/24/2002 6:39 am CDT
I have seen this covered before but haven't seen a real answer yet. I have a $1200 balance on a furniture card at 18%. I have a $2200 on a mastercard at 18% and $700 on a visa at 10%. I do not want to transfer all the balances. Which one should I pay off first?
Author: Ira Stoller Posted: Wed Jul 07, 2004 12:54 pm Post subject: Tips on Paying Off Credit Cards
2/24/2002 9:04 am CDT
If you can, pay the $2,200.00 first and get out from under it. Next the $1,200.00, and finally the lowest interest amount.
Author: Doug Posted: Wed Jul 07, 2004 12:55 pm Post subject: Tips on Paying Off Credit Cards
2/24/2002 9:09 am CDT
Ira, why would you pay off the $2200 amount first? and the $1200 amount second?
Since they are both 18%. It would be less paperwork to get rid of the $1200 amount, first.
Author: Ira Stoller Posted: Wed Jul 07, 2004 12:55 pm Post subject: Tips on Paying Off Credit Cards
2/24/2002 9:27 am CDT
If you have the means to pay either amount in one shot, pay the higher rather than the lower. If the question related to payments over time, then you're correct, aim to pay the smaller amount first since you'll get rid of the finance charges faster. Either your answer or my answer might be correct depending on the actual circumstances.
Author: Ira Stoller Posted: Wed Jul 07, 2004 12:45 pm Post subject: Negotiating Interest Rates on Credit Card
2/24/2002 9:02 am CDT
Other than having your friend claim that he is you, I don't know of any way. Does your friend actually negotiate these rates, or is he merely responding to offers? The other possibility is that his credit rating might be better than yours.
Author: nobody Posted: Wed Jul 07, 2004 12:46 pm Post subject: Negotiating Interest Rates on Credit Card
2/27/2002 1:30 pm CDT
If it's speaking on the phone that troubles you, send them a letter instead, and ask for a lower rate, etc. Or, try the net.
Author: RADical Posted: Wed Jul 07, 2004 12:43 pm Post subject: How Long is Negative Info on Credit Report
2/24/2002 7:39 am CDT
Does paying an old loan already in default for six years, renew the 7yr activity date.
Example An old hospital bill, unpaid for 6 yrs, still has amount due, referred to collection agency, never made an attempt to pay it.
If a person leaves it upaid, it should dissapear next year, am I correct?
Or, if the person wants to pay their debtor and starts to make payements, will that 'renew' the last activity date, (make it look like a current bill with recent payments) and make the negative info stay on an additional 7 yrs?
Author: Eugene Posted: Wed Jul 07, 2004 12:44 pm Post subject: How Long is Negative Info on Credit Report
2/24/2002 10:45 am CDT
If the account was open prior to 1997 (February, I think - that's the time when FCRA was amended), then paying WILL reset the clock. If it's a newer account (doesn't look like that since it has been unpaid for 6 years), then the clock is not reset by payment.
Does Checking Account Make it Easier to Get Credit Card
Author: LAmarlow Posted: Wed Jul 07, 2004 12:42 pm Post subject: Does Checking Account Make it Easier to Get Credit Card
2/24/2002 3:20 pm CDT
I often hear that having a checking account makes it easier to get a credit card. But there are no bank accounts listed on credit reports that I can see. How do they get information on your bank accounts? Is it only by what you provide on a credit application? Or is there a bank account database they are tapping into? Just curious.
With good credit (FICO score of 723), I first applied at Juniper and got an instant response and a credit denial for having too few accounts (I have 2 and no lates).
I then tried both AMEX Blue and Capital One Platimum. They allow you to apply online, but both give the same response "cannot approve online, must wait for decision 7-10 days". I'm sure this means denial as well, but is probably deliberately done this way so they can capture personal info and SELL IT.
I suspect all of these so-called 'instant approvals' credit card issuers operate the same way. I've tried in the past calling them in advance to find out if I would qualify, but they are taught to withhold this info and lie and claim that they are not allowed to do that.
Any suggestions on how to find out in advance on if one can qualify for a top-grade credit card without piling up inquiries (which, of course, lower your credit score)?
Applying online was set up as a convenience for potential creditors to apply without having to deal with phone reps and written applications. Some companies probably do sell the information that they collect, but I know Juniper does not sell your personal information. For Juniper approval you need a high FICO score 700+, at least one credit line that is 4-5 years or older, and an excellent credit report (no lates, derogs, BKs...ever). You also need very few inquiries in the prior 6 months (same goes with Amex). *There are exceptions to these requirements...basically they just draw a name out of a hat. You didn't mention which credit cards you were carrying or how long you had them. It takes many years to build a good credit report. My advice is if you're trying to get into prime terrority (or you're already there, and just want more prime cards) is to get your foot in the door with the company. For Amex try their Green charge card or Delta Skymiles card (both pretty easy to get with a decent credit history). In a year you can upgrade to Optima, Blue, or Gold. Also, MBNA, Bank of America, Chase, and Citibank are good prime companies to try, too.
Author: judy graham Posted: Wed Jul 07, 2004 11:33 am Post subject: How to Receive Free Yearly Credit Report
2/24/2002 8:23 pm CDT
i am interested in receiving my 1 free yearly credit report. i qualify for the free with no charge report. could you mail directions on how to do this?
Author: Sheryl Posted: Wed Jul 07, 2004 11:02 am Post subject: Tips on Paying Off Credit Cards
2/25/2002 9:40 am CDT
I am in a position to pay off all my credit cards. I do not intend to use them in the future. Is it best to ask the credit card agency to close the account (and note that the closing is requested by me), or does it look best on your credit report to show that you have an account, but do not use it?
Author: Dani Posted: Wed Jul 07, 2004 11:03 am Post subject: Tips on Paying Off Credit Cards
2/25/2002 10:29 am CDT
Sheryl,
It all depends on how many credit card accounts you have open? If it's 10 or 20 I would recommend closing some (over time, all at once will kill your FICO score). It you have only 2-3 accounts I would keep them open and just use them once in awhile to keep them active. One of the hardest things in the world to do is to re-establish credit. Just as a note before closing any accounts make sure the balance is paid off in full. Once the balance is $0 contact customer service and ask them to close the account and to send you a letter stating that the account is closed by consumer with a $0 balance. This is just a precaution.
Author: Board Monitor Posted: Wed Jul 07, 2004 11:01 am Post subject: Capital One MilesOne Platinum Credit Card Review
2/25/2002 6:16 pm CDT
David,
Thanks for your post. Which site are you referring to? This card is featured on our site and rated highly.
Best Regards, Curtis Arnold P.R./Marketing Dir. U.S. Citizens for Fair Credit Card Terms, Inc. http://www.cardratings.com curtis@cardratings.com 501-663-0314 PH 501-663-0033 FX
Author: John Posted: Wed Jul 07, 2004 10:33 am Post subject: Credit Report Scoring Criteria
2/27/2002 5:35 pm CDT
I've seen quite a few sources that give a "general" breakdown of FICO scoring, but I can't find anything that gives a breakdown of what a negative (or positive) mark on your report counts for. There is obviously a number that relates specifically to that mark, but I can't find it anywhere. Is there anywhere out there that gives this type of information?
Author: Eugene Posted: Wed Jul 07, 2004 10:35 am Post subject: Credit Report Scoring Criteria
2/27/2002 10:57 pm CDT
Mouse, this slide collection is taken from a public forum FTC hosted in 1999. The transcript can be found here: http://www.ftc.gov/bcp/creditscoring/creditscorexscript.pdf. It says on page 17 (starting line 22) that slide 8 (http://www.ftc.gov/bcp/creditscoring/present/sld008.htm) does not represent how different factors REALLY affect FICO score. This is just an example, like one that you and I could have done ourselves.
However, that forum and slides still give you a good GENERAL idea of how FICO works
Author: Steve in VA Posted: Wed Jul 07, 2004 10:33 am Post subject: How to Obtain a Credit Card with No Credit
2/28/2002 9:38 pm CDT
I had the same problem when I was younger and got a secured card through First Consumers National Bank (go to www.fcnb.com). The way it works is you open a savings account with their bank, then they issue a card to you with a credit limit equal to the balance in your savings account. If you ever refuse to pay back the balance on your card for some reason, they just keep your savings account, so there's no risk to them at all. You can increase your credit limit by sending them more money to add to your savings account.
After you establish a good payment history with them (usually in 1-2 years), they will change the card to an unsecured status and refund your savings account balance to you.
There are other secured card issuers out there as well, but FCNB is one of the larger ones. Just go to Yahoo and type in "secured credit cards" to find others. Good luck.
Author: sally Posted: Wed Jul 07, 2004 8:48 am Post subject: Tips on Credit Card Balance Transfer 3/1/2002 8:27 pm CDT
How does the balance transfer process work? If I have a credit card for example. (Citibank) with a 10,000 credit line (12% purchase APR) and a 4,000 balance and I do a banlance transfer for 5.9% paydown for $5,000 dollars. My question is after 1 years time if I pay $300 dollars per month what will my purchase balance be at and what will the amount of the Balance transfer be at after this one years time.
Also if I were to transfer say the max of $6,000 would I get hit with an over the credit limit fee because finance charges put me over the credit line.
P.S. this is all hypothetical. Just trying to understand the Balance transfer process before I do one myself. Thanks for any input.
Author: trixy Posted: Wed Jul 07, 2004 8:49 am Post subject: Tips on Credit Card balance Transfer
3/1/2002 9:08 pm CDT
just cancel the SOB. Sears had no right to transfer to a major credit card without previous notice.
Author: Dan Posted: Wed Jul 07, 2004 8:49 am Post subject: Tips on Credit Card balance Transfer
3/1/2002 9:24 pm CDT
You said: "How does the balance transfer process work? If I have a credit card for example. (Citibank) with a 10,000 credit line (12% purchase APR) and a 4,000 balance."
So you are motivated to payoff the 4,000 with lower interest rate money that comes from a balance transfer.
You said: "and I do a balance transfer for 5.9% paydown for $5,000 dollars."
I might have thought you would transfer 4,000, bringing the high interest rate card balance to exactly zero.
You asked: "My question is after 1 years time if I pay $300 dollars per month what will my purchase balance be at and what will the amount of the Balance transfer be at after this one years time."
The first rule to avoid getting bad treatment from any credit card is this: NEVER mix balance transfers with purchases. Just DON'T do it. This is a the most important answer to the question you first asked- "How do balance transfers work." Assume that you had no purchases involved and no further balance transfers with the card at 5.9%. I won't do the precise math (there are finance calculators available many places), but your $300 per month after one year will have reduced your balance nearly to zero. 4,000 original - 3,600 paid + interest at 5.9% (I approximate this at $100 to $200). Quite oppositely, if you have purchases going on at the same time on this card, which themselves accumulate interest at a high rate (perhaps 15%, 20% 24%?), none of your $300 per month payments will have touched that particular balance. You could have then, after one year, a 500 or 600 dollar balance on the original balance transfer (same as without purchases being involved), but a purchase balance at some 10% to 20% greater than the sum of your purchases! Like everybody on this board says- don't do it.
You asked: "Also if I were to transfer say the max of $6,000 would I get hit with an over the credit limit fee because finance charges put me over the credit line."
This is another rule of credit card use. Do not ever ever ever get your balance near to the credit limit. They will charge you a fee every time you go over the limit for who cares what reason. And they will count themselves wise for having tempted you into act in a way that made you pay them a fee. For example, if your limit is $10K and you maneuver your balance to be $9980, and then something strange happens like your payment is recorded late- EVEN IF not your fault - they will add on a $29 fee for that and now you are over limit and they throw on another $29 fee for that. That is $58 you lost for no good reason. Just don't do it. Some stay hundreds of dollars away from their credit limit just to avoid the chance of this irritation.
Author: Ron Posted: Wed Jul 07, 2004 8:32 am Post subject: Instant Approval Credit Card
3/3/2002 8:10 am CDT
I own a business and the only way I can bill my customers is through a credit card, or bank draft. However some of my customers would like to purchase my services, but they don't have either one.
Is there a secure or unsecured card that offers guaranteed INSTANT approval for everyone (I need the c.c. number immediately), with no annual or membership fees (seems all unsecured cards have these). I don't care if it's only has $100 credit limit.
Any help you can give me would be appreciated.
Ron Slusser
P.S. I've tried the instant approval cards on-line, but they never give an immediate approval, for people with average or bad credit.
Author: Ira Stoller Posted: Wed Jul 07, 2004 8:33 am Post subject: Instant Approval Credit Card
3/3/2002 12:03 am CDT
How about debit carfds which instantly take the $$$ from the customer's checking account? Most banks offer these to their customers at no charge. The approval process is the same as the process for credit cards.
Author: Ron Posted: Wed Jul 07, 2004 8:34 am Post subject: Instant Approval Credit Card
3/3/2002 1:48 pm CDT
I can draw payment from a bank account, so this wouldn't do me any good. My customers don't have credit cards or bank accounts.
Author: Barbara A. Jackson Posted: Wed Jul 07, 2004 8:34 am Post subject: Instant Approval Credit Card
3/6/2002 6:22 am CDT
Last evening, I viewed my checking account without any problems. Today, I have not come close to the site. I was unable to log in. Therefore I had to register again, and have not come close to it. I have seen everything concerning accessing credit card information, but whre is the simple things? Can you help?
Ira Stoller wrote: ------------------------------- How about debit carfds which instantly take the $$$ from the customer's checking account? Most banks offer these to their customers at no charge. The approval process is the same as the process for credit cards.
Author: mouse Posted: Wed Jul 07, 2004 8:35 am Post subject: Instant Approval Credit Card
3/3/2002 1:28 pm CDT
Dear Ron, You might want to try Earth Childs "Crusty" Credit Cards (See post below). By the sound of it, they give credit to ANYBODY! *****! They gave ME credit!
Author: Russell C. Ehlert Posted: Wed Jul 07, 2004 8:36 am Post subject: Instant Approval Credit Card
3/3/2002 9:23 pm CDT
This morning I applied to purchase an item over the Int.net I was turned DOWN! I want to know why??? I sent out a payment yesterday for the full amount of my balance & wasn't maxed out. Why'd you people turn me down???
Author: nobody Posted: Wed Jul 07, 2004 8:37 am Post subject: Instant Approval Credit Card
3/6/2002 1:47 pm CDT
This is not your credit card company. However, in general, it takes about 3 days for a payment to show, even after it is received by your credit card company. If you sent a payment yesterday, and tried to make a purchase today, your payment is probably still at the post office, making its way to your credit card company.
Author: B. Lejeune Posted: Wed Jul 07, 2004 8:19 am Post subject: Air Miles Credit Cards Tip
3/4/2002 10:23 am CDT
Was wondering if anyone could give me a bit of advice on these cards? I am a teacher who pays off all of my statements each month, and I might travel once a year. I also need to get to Europe, South Africa, and New Zealand. Any suggestions on the best card for me? Thanks.
Author: NewUser Posted: Wed Jul 07, 2004 8:14 am Post subject: Credit Cards With Credit Protection
3/6/2002 3:11 pm CDT
So is AMEX Blue the only card with Price Protection? I think NextCard has a 24hr PP, but that is useless. Also, CitiBank USED to have the ClickCiti Card, but that has been Discontinued in the U.S.A. One of you gurus MUST know of another....
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