Which American Express credit card is best?

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Which American Express credit card is best?
Posted: Tue Jan 09, 2007 11:29 pm

Millenial wrote:
yeah i dont believe in annual fees, the lady was older maybe like her 50s or 60s, looked italian

is your delta gold or plat?

NEITHER

It is the $55 card

I had the $85 GOLD

I had the $135 PLATINUM

But down-graded

I didn't really need the higher cost cards...

---

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

---

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Tue Jan 09, 2007 11:49 pm

mouse wrote:
Millenial wrote:
saw this woman whip out a black amex at stop and shop, i am not kidding. at one of those self scan checkouts. anyone else see one in real life?

With access to over $250,000 on 5 AMEX "CREDIT" CARDS I could care less about BLACK


C'mon now Mouse....Once you go Black....

I have a "Blackish" Premier Pass card, Dosent report correctly and scratches easily, like a creepy Mirror type finish. Its new home is nestled between three mis-matched socks 14.24% rate and all.

---

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

---

Guest: angelo21
Posted: Wed Jan 10, 2007 9:10 am

Good for her. Crazy, but good for her.

This would be a great post for the one on Amex Prestige. Quess she wanted to impress.

I only have one Amex card. A gold with no annual fee. $2.5K? Ridiculous!

---

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

---

American Express Black Credit Card

Guest: Millenial
Post subject: American Express Black Credit Card
Posted: Tue Jan 09, 2007 10:32 pm

saw this woman whip out a black amex at stop and shop, i am not kidding. at one of those self scan checkouts. anyone else see one in real life?

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 09, 2007 10:40 pm

Millenial wrote:
saw this woman whip out a black amex at stop and shop, i am not kidding. at one of those self scan checkouts. anyone else see one in real life?

With access to over $250,000 on 5 AMEX "CREDIT" CARDS I could care less about BLACK

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 09, 2007 10:44 pm

THE ANNUAL FEE I PAY AMEX IS WAY LESS THAN $2,500

MY AMEX DELTA WOULD BE PAID INTO THE 2060's IF I PRE PAID $2,500

Not sure I will still be around in 2060

---

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

---

Guest: Millenial
Posted: Tue Jan 09, 2007 10:49 pm

yeah i dont believe in annual fees, the lady was older maybe like her 50s or 60s, looked italian

is your delta gold or plat?

---

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

---

Want Credit Card Company Customer Service Representative

Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject:
Posted: Tue Jan 09, 2007 8:42 pm

quoted from the January 2007 edition of AARP Bulletin:

Quote:
Want to talk to a real person when you dial customer service? Before dialing visit http://gethuman.com/us for shortcuts on how to bypass those automated operators and forever-on-hold telephone calls at various business call centers. This website, staffed by volunteers and fueled by reports from more than 1 million consumers, offers specific phone number on how to reach living, breathing customer support workers at scores of companies providing goods and services. It also allows you to report your own "on hold' time. The site is updated weekly, but be aware that company telephone information can change without warning - SID KIRCHHEIMER

I tried several sites. Most worked as advertised. However, Exxon-Mobil would not let me bypass account number entry. Hey, it's better than nothing at all!
_________________
Do not let what you cannot do interfere with what you can do.

Ira

---

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

---

Guest: ALex
Credit Expert (100+ Posts)
Posted: Tue Jan 09, 2007 8:44 pm

Ira wrote:
quoted from the January 2007 edition of AARP Bulletin:

Quote:
Want to talk to a real person when you dial customer service? Before dialing visit http://gethuman.com/us for shortcuts on how to bypass those automated operators and forever-on-hold telephone calls at various business call centers. This website, staffed by volunteers and fueled by reports from more than 1 million consumers, offers specific phone number on how to reach living, breathing customer support workers at scores of companies providing goods and services. It also allows you to report your own "on hold' time. The site is updated weekly, but be aware that company telephone information can change without warning - SID KIRCHHEIMER

I tried several sites. Most worked as advertised. However, Exxon-Mobil would not let me bypass account number entry. Hey, it's better than nothing at all!


Ira,

Thanks for the imformation.. Very imformative

---

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

---

Guest: angelo21
Posted: Wed Jan 10, 2007 9:00 am

Good advice.

---

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

---

Guest: canadianpotatoes
Posted: Wed Jan 10, 2007 9:41 am

Great site! Bookmarked.

---

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

---

Pay Credit Card Balance in Full to Avoid Default Rate

Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Pay Credit Card Balance in Full to Avoid Default Rate
Posted: Tue Jan 09, 2007 5:54 pm

Patient: "Doctor, it hurts when I do this."

Doctor: "Don't do that."

Same thing applies here. Either pay in full (prefered) or pay on time and the default rate won't hurt because you won't get hit with it.
_________________
Do not let what you cannot do interfere with what you can do.

Ira

---

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

---

Guest: Polonius
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 09, 2007 6:56 pm

And remember the "can" in the statement. Just because Chase CAN do it doesn't mean it WILL.

My wife can divorce me. My wife can stab me with a meat cleaver. I don't think she will.
_________________
Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"

---

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

---

Guest: Evilbunny
Credit Expert (100+ Posts)
Posted: Tue Jan 09, 2007 7:59 pm

ok.. let me clerify.

the terms are that it can go up to 32.whatever. its based on prime plus whatever the default margin is.

even though it CAN go up that high, the highest chase will charge right now is 29.99. that is their internal cap. that is the most they will charge on your statement at this time, despite what the terms are.

they may change it in the future, but as it stands right now, 29.99 is the highest default rate you will be charged on your statement in the event of defaulting

Quote:
And remember the "can" in the statement. Just because Chase CAN do it doesn't mean it WILL.

My wife can divorce me. My wife can stab me with a meat cleaver. I don't think she will.


well, in the event of someone defaulting... they are getting more and more likely to ratejack.. even on a first offense. Glad your wife is more lenient, Polonius

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Jan 10, 2007 12:50 am

PIF

PROBLEM SOLVED...

MY ALL TIME MAX WAS 9.99%

NEW MAX IS 5.90%

So there is no way I would pay 32.24%

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Jan 10, 2007 12:52 am

Polonius wrote:
And remember the "can" in the statement. Just because Chase CAN do it doesn't mean it WILL.

My wife can divorce me. My wife can stab me with a meat cleaver. I don't think she will.

Would she really "STAB" you with a meat cleaver???

A steak knife would be better

---

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

---

Guest: Polonius
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Jan 10, 2007 12:59 am

You're right--it's hard to stab with a meat cleaver. That's why I said she wasn't likely to do it.

A steak knife is a much better idea.

Hope she doesn't read this board!
_________________
Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"

---

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

---

Guest: hesiden
Credit Expert (100+ Posts)
Posted: Wed Jan 10, 2007 1:00 am

mouse wrote:
Polonius wrote:
And remember the "can" in the statement. Just because Chase CAN do it doesn't mean it WILL.

My wife can divorce me. My wife can stab me with a meat cleaver. I don't think she will.

Would she really "STAB" you with a meat cleaver???

A steak knife would be better


Obligitory Princess Bridge quote:

[the Sheriff has said he'll cut out Robin Hood's heart with a spoon]
Guy of Gisborne: Why a spoon, cousin? Why not an axe?
Sheriff of Nottingham: Because it's DULL, you twit. It'll hurt more.

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Jan 10, 2007 1:07 am

Just take her out this weekend for steak at a nice restaurant and forget about the CLEAVER and the STEAK KNIFE

(except to cut your steak)

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Jan 10, 2007 1:21 am

more...

SHE MIGHT BREAK HER WRIST TRYING TO STAB YOU WITH A MEAT CLEAVER

---

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

---

Guest: fenster
Credit Expert (100+ Posts)
Posted: Wed Jan 10, 2007 10:04 am

Surely Polonius isn’t equating his wife’s sense of reason, restraint and prudence with Chase’s, is he? Cuz I don’t believe Chase is as civil as Polonius’ wife_ hand a Chase exec a “meat cleaver” and he’ll crack your safe wide open with it.
_________________
beware of everything

---

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

---

Guest: angelo21
Posted: Wed Jan 10, 2007 10:24 am

fenster wrote:
Surely Polonius isn’t equating his wife’s sense of reason, restraint and prudence with Chase’s, is he? Cuz I don’t believe Chase is as civil as Polonius’ wife_ hand a Chase exec a “meat cleaver” and he’ll crack your safe wide open with it.


Well stated and right to my original post.

---

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

---

Chase Credit Card New Default Terms

Guest: angelo21
Post subject: Chase Credit Card New Default Terms
Posted: Tue Jan 09, 2007 1:59 pm

I recieved an insert about 2 months ago from Chase stating a change in their default policy. Should you default by late payment, bounced check, etc. they can now jack your APR to 34%. OUCH!

I haven't seen anyone question or comment on this issue.

Am I the only one that got this? I don't think so.

---

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

---

Guest: Evilbunny
Credit Expert (100+ Posts)
Posted: Tue Jan 09, 2007 3:12 pm

it can go up that high, but at this time, Chase caps it at 29.99%

---

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

---

Guest: angelo21
Posted: Tue Jan 09, 2007 3:34 pm

Evilbunny wrote:
it can go up that high, but at this time, Chase caps it at 29.99%


It may be a market by market thing. I know I saw the 34% and was shocked. Unfortunately, I threw the paper away because it's not applicable to me so I don't have the exact number.

---

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

---

Guest: angelo21
Posted: Tue Jan 09, 2007 3:52 pm

Sorry guys I was wrong. It's not 34%. It's 32.24%. I called someone who still has the insert.

---

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

---

American Express Butterfly Credit Card

Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: American Express Butterfly Credit Card
Posted: Tue Jan 09, 2007 8:54 pm

Another quote from the January, 2007 edition of AARP Bulletin posted without comment:

Quote:
American Express is testing a "butterfly" credit card that folds in half and has a nifty silver case; other issuers are experimenting with various textures, unique sounds, even perfume and coffee scents! The goal is to get their card in that coveted "top of wallet" position. Here's what's at stake:

1.5 billion -- Number of cards--credit, debit, and gift--currently in circulation in the U.S.

8.6 -- Number of credit and debit cards carried by the typical American cardholder.

$16 billion -- Total profits in 2005 for the 10 largest U.S. credit card issuers.

$14.8 billion -- Annual amount levied on cardholders in late and over-limit penalties.

$3.5 billion -- Amount spent for the privilege of using cards with annual fees.

$9,159.00 -- Average credit card debt per household as of 01-01-2006.

$2,966.00 -- Average credit card debt per household as of 12-31-1990.

_________________
Do not let what you cannot do interfere with what you can do.

Ira

---

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

---

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 09, 2007 10:06 pm

THE NUMBERS COULD BE HIGHER...

The big problem is that CASH will never totally be gone

There are some that would pay 5% EXTRA to pay with their stinkin' CASH

Not that DEBIT & CHECKS are that great...they are still BETTER THAN CASH

---

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

---

Guest: angelo21
Posted: Wed Jan 10, 2007 9:44 am

Sign of the times.

Being a marketing guy, I have to question the makeup of the demographics. I don't think the average Joe cares. However, it may be appealing to younger people and/or women.

The coffee scent thing is especially amuzing to me. I have a Chase Duetto (Starbucks) card. I use it to go with my wife for cooffee, etc. It has no annual fee and they do charitable work.

However, if it had a coffee scent I'd probably roast it. Call me old fashioned but I like the smell of my leather wallet.

---

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

---

Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Jan 10, 2007 3:59 pm

Quote:
Call me old fashioned but I like the smell of my leather wallet.

Call me old fashioned, but I like the smell of money! Cash is not cold and hard - it's warm and soft.
_________________
Do not let what you cannot do interfere with what you can do.

Ira

---

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

---

Credit Card Offer with no Annual Fee

Guest: nixuzer
Credit Expert (100+ Posts)
Post subject: Credit Card Offer with no Annual Fee
Posted: Tue Jan 09, 2007 9:12 pm

Quote:
This is a tale of two solicitations for credit cards with no annual fee. The lesson to be learned: Surprises may lurk in all. One credit card offer, from Bank of America, is riddled with fees and catches. Our other credit-card solicitation, from Capital One, appears to be a "no-hassle" deal.

A chief drawback to the Bank of America offer: You don't even know whether your interest rate will be 7.9%, 13.99% or 19.99% before you apply. It's "based on your creditworthiness."

There's up to a 29.99% rate if you pay late or exceed the credit limit. That's on top of the late-payment fee, which can range from $15 to $39, based on your outstanding balance. There's even a minimum $10 fee for balance transfers and if you use the credit card to purchase lottery tickets, casino gaming chips, money orders and foreign currency or travelers checks "from a non-financial institution." In addition it charges a 3% transaction fee for any transaction made in foreign currency.

_________________
People must again learn to work, instead of living on public assistance.
Cicero 55BC

---

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

---

Guest: angelo21
Posted: Wed Jan 10, 2007 10:20 am

I hold only 4 cc and a Home Depot card. My Amex is issued by the Centurian Bank, 2 Visas by Chase and a Discover by GE. All have no annual fee, etc.

To date, I've never had a problem with surprises. The thing is you have to read the fine print.

As I placed on a previous post, I got a notice from Chase a couple of months ago that should I default the APR goes up to 32.25%.

I don't have BoA in my market. However, all mailings have in an 8 point font a section that states you have a right of refusal. All you do is pay them and move on.

Look for other options if your not content. If you have the scores, it a buyers market.

---

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

---

Guest: Board Monitor
Board Monitor
Posted: Wed Jan 10, 2007 1:03 pm

Thanks for the link. Good to see you around Nix!

Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews

Sign up for our free monthly e-mail newsletter!

---

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

---

Credit Card Offer from HSBC

Guest: Alecia
Post subject: Credit Card Offer from HSBC
Posted: Wed Jan 10, 2007 1:03 pm

Is this a good promotional offer?

7.99% for the life of the balance and 3.99% for short-term balance transfers until May 21, 2007. (I received this offer in November). There is a 3% fee with a max of $75.00. One can bt to another credit card company, balance transfer to their own personal checking account or bt AND put money into their own bank account at the same time on HSBC's website.

Would you take both or just one of the offers? Interest will be applied to the lower APR first.

Thank you,
Alecia

---

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

---

Highest Rebate for General Credit Card Purchases?

Guest: tonygoldston
Credit Expert (100+ Posts)
Post subject: Highest Rebate for General Credit Card Purchases?
Posted: Wed Jan 10, 2007 3:38 am

Ok,

I am trying to find a new do everything card for all purchases (other than gas and groceries)

What's the best out there.

I know a lot of people swear by the AMEX Blue Cash but it's rebate rates are tiered. You have to spend $6500 and then you get 1.5%.

I saw the AMEX Blue Cash Business where you get .5% for the first $7500 and then 2.5% for $7500-$15000 which gives 1.5% for the whole $15000. Then it drops to 1% after $15000.

I remember something about the Fidelity Card that gave a flat 1.5% but don't want to be locked in to an account which has fees.

Are there any cards out there with cash back, or reward points that give more than 1%?

tony

---

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

---

Guest: canadianpotatoes
Posted: Wed Jan 10, 2007 9:38 am

My girlfriend has a card that gives her 2% cash back on all purchases.

It is offered by Household bank, but it may be by invitation only.

Chase Freedom offers 3% on gas, groceries, quick service food; 1% on everything else.

---

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

---

Guest: LustfortheMoment
Posted: Wed Jan 10, 2007 10:22 am

I prefer AMEX Blue Cash. I use it only for non-EDP(coupled with a Chase Plus Rewards for EDP) until reaching the $6500 tier, then I use it for EVERYTHING.

The Fidelity Investments 1.5% card can be linked to a simple money market account which has a miniscule management fee as do all MMAs.

Orchard offers a 2% card, usually for an annual fee of $39-$59, but provides ridiculously small credit limits. They're really a credit rebuilder outfit and are a pain in the rear to deal with.

---

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

---

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Wed Jan 10, 2007 10:38 am

Penfed is 1.25% on all purchases and 5 % on gas
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

---

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

---

Guest: angelo21
Posted: Wed Jan 10, 2007 11:16 am

You're only options may be only Amex Blue, Amez One, Chase Flex or Chase Free Cash.

Some have an annual fee after a year. They all fall into the % range yo've stated. I've seen one at 5% but it's only for an introductory period.

Do some comparative shopping and make sure you read the fine print first on the terms & conditions.

---

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

---

Guest: canadianpotatoes
Posted: Wed Jan 10, 2007 1:22 pm

LustfortheMoment wrote:
I prefer AMEX Blue Cash. I use it only for non-EDP(coupled with a Chase Plus Rewards for EDP) until reaching the $6500 tier, then I use it for EVERYTHING.

The Fidelity Investments 1.5% card can be linked to a simple money market account which has a miniscule management fee as do all MMAs.

Orchard offers a 2% card, usually for an annual fee of $39-$59, but provides ridiculously small credit limits. They're really a credit rebuilder outfit and are a pain in the rear to deal with.


Wow my girlfriend got so lucky to have that 2% cash back no annual fee household bank card. The limit is small compared to the standards of this board but it is fine for her basic month to month expenses.

---

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

---

Bank of America Credit Card LUV Button?

Guest: Spender
Post subject: Bank of America Credit Card LUV Button?
Posted: Thu Jan 04, 2007 11:17 pm

I see alot of you guys have spun the wheel and won a prize but it seems too good to be true. My question to you is, what are your accounts like that may have assisted in the increase. Do your balances float right under your limits, do you have old BOA accounts? Because if they dont pull a "Hard" report then it has to be something special that you guys are doing.

I need feedback from the credit gurus..........my hands are itching

---

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

---

Guest: AJ
Credit Expert (100+ Posts)
Posted: Fri Jan 05, 2007 7:30 am

I have 10 accounts I don't have any late payments, I stay well below 50 percent of the limit. The majority of my limits are over 10k . My Combined credit limits total 127k. The highest is actually an old MBNA , now Bank Of America at 27k. I was already a BOFA Carholder when they made the change. Pay your bills on time , check your credit report.

---

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

---

Guest: Spender
Posted: Fri Jan 05, 2007 11:58 am

makes sense

---

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

---

Guest: howardi
Posted: Wed Jan 10, 2007 6:28 am

I just got two BOA cards. When can I start clicking the luv button?

I find this is the best way to increase your scores w/o going through all dem hoops.

---

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

---

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Wed Jan 10, 2007 3:18 pm

howardi wrote:
I just got two BOA cards. When can I start clicking the luv button?

I find this is the best way to increase your scores w/o going through all dem hoops.


C'mon Howie...You know you wanna Click. Its like a creepy slot machine. Click that derned thing. They say wait 6 or 9 months but....Roll Dem' Bones Howie.

Its a nice cheap "Buzz".

---

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

---

Credit Card with 12 Months 0% APR

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Credit Card with 12 Months 0% APR
Posted: Wed Jan 10, 2007 3:33 pm

Pay N Full each month, or take your time ? I know it all depends on what the rate will be afterwards. I Have a 0% Until Nov 07

---

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

---

Guest: tonygoldston
Credit Expert (100+ Posts)
Posted: Wed Jan 10, 2007 3:37 pm

0% for a year.

Use it, (I go upto the full amount)
Sock it, (put the card up)
Pay the Minimum, (I round up to the nearest $100)
PIF at the end of the promotion, (double check date it needs to be paid off.)

I do this with Cap 1 and the purchase checks as well. $20,000 limit I write myself a check the day after the statement closes, then pay in full the next month when payment is due. So I get almost 2 months of interest. Repeat if I have a check.

tony

---

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

---