I'm looking through http://www.creditcards.com/low-interest.php

and it seems that the best one would be... "Citi® Platinum Select® Card" since it only has an APR of 8.49%. It's also nice that I'll be going on vacation to Hawaii this year and it has a 0% APR* on balance transfers and purchases for up to 12 months... So I'm thinking I'll use that for most of my spending...

But at the same time, I'm also looking through other ones and theres like cash back, rewards, points, free gas, and happy ending massages...all sorts of things that may be useful, but higher APR...

WHICH ONE IS THE WISE CHOICE!?#!@

(yea I know none is wise, but it's sort of difficult just charging everything off my debit, and I know I can pay off everything on time, I already do.)

/thread

Black

I now use Amex blue cash only, and no complaints.

I also pay off my balance each month, so APR's do not matter to me.

PAY OFF THE CARD IN FULL EVERY MONTH! Unless you have a balance transfer offer such as the one above, and even then, you should plan on paying it off before the introductory period is over, or you'll get raped with interest.

I personally have the Chase Freedom which has 3% Cashback/points on your top 3 (now top 5) categories every month.

I also have Amex Blue which has 5% cashback, but only after you spend $6500 in a year.

Anyway, here's my .02
CREDIT UNIONS > *

It's all about the lounge access at the airport, the reward points, free airline tickets, and hotel upgrades.

2007 Civic Si
2008 Ducati 848

Thats a charge card, not a credit card

Quote, originally posted by LSVTEC 91 Civic »

Orly?

Yes, as long as you pay off the balance in full each month, there are no finance charges, thats why they simply don't matter. They only come into effect if you plan on carrying a balance (which I don't do), but I get mad rewards points and concierge service through my card, plus the ability to do fraud charge backs

I believe she's going down,
I believe we're gonna die die die!

Quote, originally posted by RP215. »

Capital One blows. They won't raise my credit limit after having them for a year and paying the balance in full every month, on time. The credit limit is a joke at $500 (my first card). Just last week I got a new card from Citi with a $3000 limit which can finally take care of my purchases. Just choose a card that makes sense with rewards that suit your needs. My Citi card offers rewards on food, bookstores (I'm a student), paying on time, and getting good grades.

my first card was 500 too. at 18, it didnt bother me. 4 years later, and my limit is more than 10x what i would spend in a month

http://honda-tech.com/zerothread?id=1397688

Quote, originally posted by RNPoo7 »

It never fails to amazes me that people don't understand the concept of credit card and APRs

So much doom and gloom is taught to ppl about them. Its all "dont use em youll go into debt and get mad interest charges y0!!"

Instead of education on what they are really about and how you can use them to your advantage

Its the type of thing that seems built into the american education system, whenever anything can be remotely harmful when abused, we are taught to avoid it like the plague (ie credit cards, drugs, alcohol, sex, etc)

1991 CRX HF- 46+ mpg beater
2000 S2000 Hardtop

myspace.com/nicknelson

all the others are garbage with not much rebates.

Amex is great with cash back but you must spend approx 10 grand on the card before getting rebates.

The Citi platinum dividend use to be cool with 5% back with any gas purchases, 2% on pharmacies, supermarkets, etc and 1% on every other. But then they reduced it with 2% on gas which really blows.

Who cares if your APR is high as 25% as long as you plan on paying your monthly bill in full ALL the time. Eventually it will drop to 10 or less.

its easier to make "say no to drugs" wristbands than to educate people on the perils, and sometimes lack thereof, of drugs.

america chooses the easy way. gray areas are too complex. now are you a democrat or a republican?

http://honda-tech.com/zerothread?id=1397688

Quote, originally posted by George Knighton »

There is something wrong with you people.

Neither. Only a sheep corners himself into a party like that.

Doesnt matter either way, I live in CA, it will always be a democratic state with its huge mass of sheep hippie assholes

that was a rhetorical question, to highlight the lack of gray... failed attempt at wit i guess.

http://honda-tech.com/zerothread?id=1397688