Credit card questions

[ManBearPig]

First, I have a Sonystyle visa/chase card i used to buy a ps3 so i could get $100 off. I don't know if this card is any good or not. If its not good, should I a)keep it, or b)cancel it?

Second, what card do you guys recommend I get? Preferably, i would like to get one from Chase bank.

Thanks!

 

[Bignate603]

Does it have a yearly fee associated with it? What's it's rewards? My bet is that it's a mediocre card at best.

I personally use a citibank student platinum. So-so APR but I've gotten tons of cash back since I've gotten it and never carry a balance.

 

[MixMasterTang]

What do you want out of your credit card? You have to decide that before you choose the best one for yourself.

 

[JEDI]

Originally posted by: Kazaam
First, I have a Sonystyle visa/chase card i used to buy a ps3 so i could get $100 off. I don't know if this card is any good or not. If its not good, should I a)keep it, or b)cancel it?

Second, what card do you guys recommend I get? Preferably, i would like to get one from Chase bank.

Thanks!

do a search. many threads aboiut "what credit card is best"

hsbc 2% cashback
emmigrantdirect 1.4% cashback
penfed 1.25% cashback + 5% gas
costco business amex 5% gas, 3% retaurants, 1% everything elseread
Black Amex

/thread

 

[ManBearPig]

i wouldnt really use it a lot...what kind of benefits do they offer to someone who doesn't spend tons of cash? should i cancel a card or keep it open?

 

[ScottFern]

Chase Freedom > *

 

[ManBearPig]

i guess my question becomes now, is the Chase freedom the best chase credit card, and should i cancel my sonystyle card or keep it and not use it?

 

[Bignate603]

If it has no monthly fee you should keep it and make sure it stays active. To keep it active you may need to charge something every once and a while, use it to pay for gas once every 6 months and pay it off immediately and you won't have a problem with it going inactive. It will help your credit score to have more available but unused credit.

 

[Special K]

Originally posted by: ScottFern
Chase Freedom > *

Seconded. It's the best "all-purpose" card IMO. Plus it's not difficult to be approved for.

 

[3chordcharlie]

Rather than do all that research, you can just have mine. It comes preloaded with about half the remaining spending limit, but you'll be able to look after that in no time I'm sure.

It even has a picture of me, which on the off-chance we look the same, you could pretend was a picture of you.

 

[ManBearPig]

thanks guys, i think i will do that. i may go talk to them tomorrow and see what they say, but i dunno.

 

[Reckoner]

Citi Platinum Amex. 5 Thank you points for Gas, Groceries, and Drugstore purchases. 3 TYP for everything else for the first two years. Annual Fee is waived for the first year. And you get 15,000 bonus points for signing up. Free IdentityMonitor, 2 free visits to the Airport VIP Lounge. It = WIN.

 

[txrandom]

Citi Platinum Amex is nice. The cashback card from PenFed is pretty nice too.

 

[ManBearPig]

Originally posted by: txrandom
Citi Platinum Amex is nice. The cashback card from PenFed is pretty nice too.

I feel like i would lose track and end up not paying it though, and i also hate yearly fees and probably wouldnt use things like the airport VIP lounge.

With another chase card, anytime i go and check my debit card account i can see my credit card account and pay it off too if i like.

 

[onlyCOpunk]

What bank are you with? Sometimes they also have good rates on cards.

Keep the Sony one open as it can only help your credit. Opening lines of credit and always closing them looks bad in the future.

 

[FleshLight]

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