Credit Card Deals

[firebob78]

I love this country, America. The land of debt.

 

[SVTour98]

Originally posted by: m0ssie
I use a AAA Visa for 5% off gas purchases at the pump.

And GM Mastercard for 5% rebate toward a new GM, which I buy every 5-6 years for up to $3,000 additional off.

wow you sound just like me! that's exactly what i do! i charge all my gas on the AAA, and (used to) charge all my other purchases on GM Card. now my GM card reward is like $1500 so i stopped using it. i use Discover now. the GM card periodically sends out bonus rewards that will give you like 2000 or 2500 if you use your reward by a certain date, so no point in saving anymore than like $1500. (not to mention many vehicles have dollar amount limitations on what you can cash in).

 

[Rupster]

Originally posted by: TrentSteel

Originally posted by: Souka
I like my USAA Mastercard... %1 taken off entire credit card bill....every month..... (note: Only military vets and direct family can get one) ....

Do you know where I can get more info on this? My dad was drafted during the Vietnam war, discharged honorably, so I assume I qualify as his son.

Thanks.

edit: oops, formatting.

I was looking at this too - you have to be the relative of a military officer to qualify.

 

[nam9684]

 

[nam9684]

i am looking for a credit card to build my credit history. I've tried applying through my bank (chevychase) but they don't offer a student credit card. I've also tried applying for american express student credit card, but i got rejected because i am attending a 2 year college, instead of a 4 year college. Can someone recommend me a good credit card to build my credit history. Thanks in advance

 

[novon]

Thanks, Got in on the Citi Dividend Platinum

 

[Taggart]

Originally posted by: edplayer is the Citi Dividend Platinum Select - Mastercard listing correct?

"Reward details: 5% back on purchases at supermarkets, gas stations, and drugstores and ..."

Sweet, so that means if you by gas at Kroger you get 10% back right????

 

[webley]

The Amazon Visa is great because you get the equivalent of 3% back on Amazon purchases and 1% back on all others (now if they would just offer ebates).

That grocery 5% back card seems more useful though. I wonder if it also applies to online grocery stores.

nam9684, you might try appplying for the Amazon Visa especially if you already have an account at Amazon and have bought things from them by credit card before. You can apply online and get an answer right away.

 

[superkid]

Originally posted by: Bot69
Anyone use the BankOne Free Cash Rewards Platinum Visa card? Has the 1% cash back and pays out faster than CitiBank so seems like a good choice unless I'm missing something.

BankOne

I use it too. I think the 2500 points for 25 dollars is great, but there are not alot of different prize. I usually cash out for either BestBuy or for a check (cash).

 

[Growltiger]

Originally posted by: nam9684
i am looking for a credit card to build my credit history. I've tried applying through my bank (chevychase) but they don't offer a student credit card. I've also tried applying for american express student credit card, but i got rejected because i am attending a 2 year college, instead of a 4 year college. Can someone recommend me a good credit card to build my credit history. Thanks in advance

How about the Citi Dividend for College Students? I checked and it appears comm./2yr colleges are listed.

 

[shoplifter]

Any comments on the City® Diamod Preferred® Rewards Card Thanks!

 

[DJFuji]

For all those who have the citi dividend platinum select card already, you won't get your 5% bonus unless you call them and ask them for it. It's a promotional thing, so they generally only give it to new customers. But i just called and they said they'd put in a request for it and notify me via mail if it was approved. The rep said that it generally gets approved because the company decided that they'd honor the 5% for all customers who ask for it.

burr4392, you may want to add this to your original post...

 

[viewlike]

Credit Cards Comparison

 

[Taggart]

I already had the Amazon card, signed up for the Citi Dividend card for groceries and gas. Thanks!

 

[treasurehunter]

> For all those who have the citi dividend platinum select card already, you won't get your 5% bonus unless you call them and ask them for it. It's a promotional thing, so they generally only give it to new customers. But i just called and they said they'd put in a request for it and notify me via mail if it was approved. The rep said that it generally gets approved because the company decided that they'd honor the 5% for all customers who ask for it.

Gotta love Citibank. So I already had this card and called to say that I was not getting 5% back on those listed purchases despite the web site saying this card offered 5% back for all open accounts in good standing. Essentially I was told this:
Them: "This is a promotion that doesn't apply to your card. You can apply for a new Dividend Plat Sel card and then get the new dividend rate."
Me: "But then I would have two identical cards for Citibank without even identical benefits. That's silly. Why can't you just upgrade my current card to the benefits you claim it has on your website?"
Them: "We can't do that b/c it doesn't apply to your card. It applies to new cards." (note that nowhere does it say this is some sort of promotion on the website)
At that point, I just gave up and figured I'd call on a weekday and ask to speak to a supervisor. There's no way in hell I'm going to go through another credit check, change a credit card number, apply for a new card, wait for a new card, get a new billing date, etc. just to get an identical card that actually has up-to-date benefits. . . .

 

[GPz1100]

I have the GM card too, but as posted above, once you get $1500-2000, there's no point in using it any further.

I've been using the AAA card for fuel only, but it would be nice to get 5% back on grocery purchases. I suppose if they don't want to give the benefit, we can always threaten to close the account or just drop the credit limit and use the card occasionally for other purchases.

Just got off the phone with them and they have put the proper request through, so we'll see in 2-3 weeks what happens.

I've been with citibank since '98, though they've made $ 0 on me in interest, so who knows..

As for discover, it'd be great if their rewards were not tiered...


EDIT: regarding walmart, according to the rep I talked to, the walmart codes on my previous purchases match the necessary codes to get the 5% off, so it is good for walmart too..

 

[abc]

Originally posted by: treasurehunter
> For all those who have the citi dividend platinum select card already, you won't get your 5% bonus unless you call them and ask them for it. It's a promotional thing, so they generally only give it to new customers. But i just called and they said they'd put in a request for it and notify me via mail if it was approved. The rep said that it generally gets approved because the company decided that they'd honor the 5% for all customers who ask for it.

Gotta love Citibank. So I already had this card and called to say that I was not getting 5% back on those listed purchases despite the web site saying this card offered 5% back for all open accounts in good standing. Essentially I was told this:
Them: "This is a promotion that doesn't apply to your card. You can apply for a new Dividend Plat Sel card and then get the new dividend rate."
Me: "But then I would have two identical cards for Citibank without even identical benefits. That's silly. Why can't you just upgrade my current card to the benefits you claim it has on your website?"
Them: "We can't do that b/c it doesn't apply to your card. It applies to new cards." (note that nowhere does it say this is some sort of promotion on the website)
At that point, I just gave up and figured I'd call on a weekday and ask to speak to a supervisor. There's no way in hell I'm going to go through another credit check, change a credit card number, apply for a new card, wait for a new card, get a new billing date, etc. just to get an identical card that actually has up-to-date benefits. . . .

i,m in the ssame boat as you.... and many other people...

 

[ECartman]

Originally posted by: m0ssie
I use a AAA Visa for 5% off gas purchases at the pump.

And GM Mastercard for 5% rebate toward a new GM, which I buy every 5-6 years for up to $3,000 additional off.

I love the AAA card for gas. 5% on all gas purchases credited every month right on the bill. I use a Golden 1 Credit Union VISA card for everything else (straight 1% cash back).

 

[treasurehunter]

And another strikeout on updating my Div Plat Select card to include the 5% option (0 for 2 now). Got this reply from Online Customer Service:

The 5% cash back is a promotion on selected new accounts only. We are unable to add this offer to your existing account.

I don't think that is a good sign for people who were promised that Citibank would "review" whether they could get the upgrade and be sent a letter. We'll see. I'm still going to try one more time tomorrow, as it's a stupid policy, but I'm not very confident. . . .

 

[GPz1100]

treasurehunter,

Perhaps they look at your account history, how long you've been with them, avg monthly balance, etc..?

The lady I talked to today did not even hint about rejecting... she even went so far as to say, you don't want to open another account?

I told her no, that I was only interested in having this feature added to this account. I went on to say that if they couldn't do that, I'd be taking my business elsewhere -- I charge ~20-30 gran a year on this card...

So we'll see what happens in 2 weeks.. For now I'll be using the AAA card for fuel..

 

[treasurehunter]

GPz1100, maybe they do look at account history (but I doubt that level 1 cust service reps have the ability to make a complex assessment such as that--I've been with them since '96 but I don't think it matters). Or maybe it can be done but it's a real hassle for them so they won't do it unless you apply full pressure (threaten to cancel, etc.). Or maybe your rep had no idea that it can't be added to an existing account and thus just submitted an illogical request. Who knows. You personally will know in 2 weeks at least one way or another. . . .

 

[LS20]

Originally posted by: ShotgunSi
I think I'm headed towards the AMEX blue for a few reasons.
I shop at CostCo on a semi frequent basis and I can now use AMEX there for gas and everything else. Also from what I hear/read AMEX has excellent customer service and side benefits.
Downside, AMEX isn't accepted everywhere, so I will keep my Amazon VISA for everything else...

I've had lost cards.. a few questionable charges... late fees and stuff... and all of my card banks have always always been diligent and helpful. havent experienced bad CS with a CC company yet... wish it was like that for other industries

 

[UltraWide]

I had Chase Stockback which gave you 1% back and invested it in SP500 index fund. made a good amount of money. Now it's gone and changed into the Chase PerfectCard or something. Still 1% back on anything, but you can't invest the money anymore, they just give you a 1% credit towards the bill... I guess good things never last.

 

[Celstar]

I had the Citibank Platinum Select, but I just called yesterday to upgrade it to a Dividen Plat. Select. I am assuming since I am "upgrading" to this card (same credit card number) I'll get the 5%.

 

[FrustratedUser]

Originally posted by: LS20
these are only my opinions, so take them with a grain of salt:

i have a visa, mc, and discover... i found that for rewards and cashback % and whatnot..theyre pretty much all even... customer service has been terrific from all... and dont they all have zero liability anyways? APR is notwithstanding... i dont carry balances

i dont think most ppl will notice a diff between most of these. my card of choice, tho, is the MBNA Platinum Plus Mastercard Worldpoints Rewards...

1. Mastercard has them most benefits, over Visa, and then Discover (rental car insurance, travel life insurance, etc)
2. Instant posting of temporary authorizations (my visa & disc does not do this)
3. One-time use # generation (i believe AMEX & some other MC does this, too)
4. Flexible rewards (redeem cash or travel or prizes... obviously cash is best, as the cash equivalent of the others are lower... tho its nice to have a choice)

i havent found another card with the same combination of features... perhaps citibank might offer one. but anyways, i dont really care, as i reinstate that any other card would do fine for me

Got the same card and it's been good. I've spent around $9000 in 6 months or so.