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I've had a Discover-It card for a bit over a year now, and it has worked out really well for me. As a student my starting limit was $500 but at the 1 year mark they bumped it up to $1000 automatically (bill paid in full monthly). I also referred someone to discover and got $50 bonus cash-back. With the cashback program I've been able to buy some textbooks directly from Amazon (you can set up the card to pull cashback rewards directly through Amazon). I've been very happy with the card as a first credit card, and getting free money out of the cash-back program for purchases I was going to make anyway is awesome (and I started to build credit, which before having the card I had no credit).
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Nov 14, 2014 02:21
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| # ¿ Apr 29, 2024 19:26 |
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Not a Children posted:Discover is a great card, but don't use the rewards directly for Amazon, since it's a 1:1 credit -- rather, apply the credit to your statement balance and use your card to make your purchases from Amazon, so you get the rewards on that, too! I did not realize I could apply it directly to my statement. Awesome, thanks.
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Nov 25, 2014 02:53
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Is there any way to get credit card companies to stop sending me offers? I get like 5-10 a week.
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Apr 28, 2015 00:04
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SiGmA_X posted:I did that in 2010, and again in 2013. As soon a I started using credit in 2013, the offers started pouring in and haven't stopped since. I get 1+ a week from Cap1, Discover, etc. I get like 3 from cap 1 a week, all of different card types, and then summer Amex thrown in for good measure
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Apr 28, 2015 15:30
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Fluue posted:Been thinking about getting another rewards card and need some pointers on which card to get: Sallie Mae or Discover It. I currently have a card with no rewards (was my first credit card) from BofA and a Chase Freedom card. I've been eyeing the Sallie Mae card because my grocery and gas spending adds up to ~$250 per month, so I'd be maximizing those rewards. The Discover It card seems pretty similar to Chase Freedom, and the main downside would be if the two cards have overlapping 5% categories. The Discover 'perks' seem nice, though (even if they are just fluff). I have the Sallie Mae and Discover IT. The 5% back for the SM also works at Amazon if you buy physical goods. Discover has been great, and if I've ever had an issue it gets resolved very quickly - and it's nice have someone answer the phone that speaks understandable English. I think between the two it comes down to: would you rather always have 5% in a useful category or do you want to take a chance that not all the time it's that useful? Right now Discover is 5% restaurants, which to me isn't all that great.
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May 15, 2015 13:52
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Are you going to fly? If no, get quicksilver.
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Jun 18, 2015 23:25
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Any no fee chip and pin cards out there with no overseas charge? Doesn't have to be rewards card but that would be cool too.
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Jun 23, 2015 15:57
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Did not realize discover has chip cards note - I'll have to call them up and have them send a new one. Any idea on usability in Quebec fit discover?
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Jun 29, 2015 14:50
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No Butt Stuff posted:I applied for the Citi Double Cash and didn't get instant approval, so now I'm nervous. Happened to me when I applied to Sallie Mae card. They ended up approving it. If you have good credit I can't imagine they would deny you.
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Jul 1, 2015 14:10
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I'm looking to get a visa or MasterCard with a chip for going to Canada (currently have discover (poor acceptance) and Sallie Mae (no chip) cards. Discover if my current main card, Sallie Mae used for 5% cash back categories. I've been looking at double cash or quicksilver cards - and I can't decide which. Quicksilver with no ftf would be nice, but on the other hand the extra .5% rewards of the double cash for general use may be good. I don't plan on spending a whole lot while in Canada, so the 3% ftf may be okay for the one trip I have planned to Canada. 2% cb/3% ftf or 1.5% cb/0% ftf Anything else I should consider or that I have overlooked? I have gotten mail offers for each of the cards. Credit score around 720 and I've never missed a payment, only carried a balance once.
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Jul 7, 2015 14:00
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No Butt Stuff posted:Finally got my Citi Double Cash approval. The hold up was they asked for a paystub and were reading my work address off of it instead of my home address. Mind if I ask what your credit score was when you applied? I've been thinking of getting this card to use for general purchases.
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Jul 24, 2015 15:35
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No Butt Stuff posted:Depends on what agency is asking. But pretty much between 720 and 750. Awesome, thanks. I'm right in that range. I'll see if they want me.
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Jul 24, 2015 20:41
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EAB posted:So I'm 29 and never had a credit card in my life. My credit history is probably bad with a history of late payments on services, outstanding medical bills and other poo poo. Pay off your balance monthly and don't buy something you don't have the money to back it up with already in the bank.
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Aug 11, 2015 13:00
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Applied and got approval for citi double cash with a 5k limit. That seems crazy to me - it more than doubled my credit limit across my other two cards. Time to get marginally more cash back! Really I wanted an EMV card that wasn't discover to use in Canada - yea I know it has a ftf but I figure this one trip to Canada I'm going to use as an 'in case' and get some $CAN to use, and then I'll have a 2% cb card for things discover doesn't have on category and aren't on the 5% for Sallie Mae card. The amount they gave me as a line of credit just seems astounding though. It's definitely going to make my utilization plummet. Would that drop my score significantly? (Not trying to game my score, just curious how it would impact it)
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Aug 26, 2015 15:59
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Is there a point where too low of utilization will negatively impact score? My utilization is probably around 20% currently, and will drop to around 10% or so with the new card (no change in purchasing with card, just which card I will be using) I thought you didn't want too high or too low of utilization.
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Aug 26, 2015 16:25
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Awesome, thanks!
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Aug 26, 2015 16:48
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EAB posted:So this is my first credit card and all I've got is a "closing date" Way to stay on top of your card. Credit cards are a great tool, make sure you use it right and don't end up in debtors prison.
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Aug 28, 2015 18:03
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Got a new card, activated it and tried to use it and it tripped fraud. Now they won't reactivate unless I give them my case code, which they left as a voice mail on a phone number that isn't mine. The other option is faxing ss card, license and a bill to them. Who has fax machines? edit: the phone number used to be a valid number, and still is, but is not mine
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Sep 14, 2015 13:19
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asur posted:You should be able to mail them the documents. There are free fax websites, but I wouldn't send personal information over them. You could also try asking for a replacement card. Why did you give them an incorrect phone number? I didn't. They got it from "public records". Apparently they think the opening of the account was unauthorized use of my credit.
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Sep 14, 2015 13:51
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I gave them my cellphone number, but they called my parents home number for the fraud alert, which I never listed on the app. I do not live with my parents. Big PITA. edit: CitiBank card. I've never had this issue with any of my other cards. I got through to them and the fraud got tried because I tried to make an online purchase with a new card... Because why would you want to use a credit card you just got???????
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Sep 14, 2015 14:48
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Boris Galerkin posted:I completely dropped the ball and forgot I was going on vacation to Europe on the 15th. I was planning on just withdrawing cash at the ATMs for daily poo poo but I guess it wouldn't be bad to have a no foreign translation card. Is it possible to apply for one today and have the card delivered by the 14th I don't remember what the usual delivery times are. Also CK says my score is 756 so which card do I want? As far as I understand that shouldn't really restrict me from too much right. Capitol one quicksilver is a no fee 1.5% cash back with no ftf. You might be able to get rush processing. Should probably call them vs filling out an online app
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Oct 1, 2015 14:12
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I see that the Sallie Mae Barclay card is no more. Will those of us that already have them be able to keep the 5% gas/grocery/bookstore benefit?
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Oct 25, 2015 01:24
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I browse the discover deals before I buy anything online. A lot of the time there will be a 5% or 10% cash back for some major stores. Sometimes they have coupons - e.g. 50% off full priced items at Men's Warehouse if you use discover. I haven't bought anything I would need price rewind for, but I've keept it in mind. Also citi and discover report different credit agencies ratings, so it's cool to be able to see the difference there. Citi - at least the double cash - let's you look at upcoming performances and allegedly has cheaper/earlier tickets on sale for some things. I've looked at the offerings but haven't gotten any tickets The Slack Lagoon fucked around with this message at 17:54 on Dec 29, 2015 |
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Dec 29, 2015 17:52
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Tots posted:I just realized that the cash back for groceries on my card ends in March 2016 and that is basically the only reason I got this card. When that date rolls around should I just cancel it and get a new 2% grocery card or keep it open? Which card?
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Dec 30, 2015 22:11
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The strip on cards with chip+strip are the same strip on cards without a chip. Your swipe transactions will be the same as if the card didn't have a chip. Chip and sig is still even not so secure. Chip and pin is more ideal. e: guess not!
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Jan 7, 2016 17:27
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I got an amex platinum offer in the mail with the 100k/3k spend. I see a lot of talk about amex 100k signup - is that the one? It doesn't say anything about waiving the first year fee and it was like 295 or 495. Does that fee get waived?
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Jan 19, 2016 04:36
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Do people close cards and reapply for them to get signing bonus, or is this talk about getting signing bonuses through some other method?
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Jan 28, 2016 05:15
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Any information on what's up with the Sallie Mae Barclay's card? I only use it for the gas/groceries/Amazon but I saw it's not online anymore and would hate for it to go away. I just a double cash for most other purchases and a discover for whatever is in its 5%.
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Apr 7, 2016 21:58
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In the next few years I'll probably be doing a decent number of domestic flights. Mostly Georgia, Texas and New Mexico, maybe California. Is there a card/airline that would be good for those areas? I have 3 cash rewards cards right now (citi DoubleCash, Barclays Sallie Mae, Discover) bit I understand travel cards may yield higher rewards rates if used for travel. It would be great to get some free flights, as the plane ticket cost is a major barrier to visiting family.
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May 25, 2016 21:18
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If you're not looking for a travel card the citi double cash is 2% on everything, I've had it since October and it's been pretty good. Good customer service too
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Jun 17, 2016 13:58
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My local grocery store started carrying beer, wine and liquor (which is rare for MA). Now I can get 5% cash back on beer, wine and liquor. Sorry liver.
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Aug 8, 2016 21:58
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Just redeemed $250 in credit card rewards for purchases I made outside the budget. Nice to bank up some extra buying power for use on frivolous things (in this case gifts for a friend going overseas for a few years). All money I got with zero interest paid via responsible credit card use!
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Aug 21, 2016 05:11
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If you want a simple no ftf card the CapOne Quicksilver is decent.
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Aug 24, 2016 14:33
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Signed up for a store credit card because it gives you free return shipping if you use their card... No annual fee. How do people feel about store branded cards?
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Sep 20, 2016 15:32
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It's kind of funny y'all are taking about high interest because the interest on my double cash is like 26% and the interest on this one is 17. I was also happy to see the card is serviced by Barclays so I didn't need to make a new account and it automatically popped up with my other Barclay card. Same story with all cards though, never carry a balance! Only did that one, before I had an emergency fund, and the card was at 0% introductory rate.
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Sep 20, 2016 19:55
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The thing I got didn't come back with a lower price 
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Sep 25, 2016 18:56
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Yes it is, for now! I'm going to be sad when they change the rewards
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Nov 16, 2016 16:50
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I have a Citi double cash card and they keep sending me 0 bt offers. I don't have any balance to transfer so I can't really say more than that.
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Dec 12, 2016 18:07
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BEHOLD: MY CAPE posted:Citi BTs are not free, they carry standard 3% fee. But yes they send a crapload of BT checks out, I guess they make a huge amount of money on those if they can afford millions of mailings every month. Guess I never read it carefully. I even called them and told them to stop sending them to me. Get like 2/week. They stopped for a month and it's started again.
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Dec 12, 2016 18:20
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| # ¿ Apr 29, 2024 19:26 |
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Peace out Sallie Mae I guess double cash for everything.
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Dec 14, 2016 20:18
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