what are some good credit cards to apply for.

also what credit limit do most of you all have. ive tryed to get a raise on my limit but the cc company will not give one to me and i am thinking of applying for some other cards.

any help?

7/16/2006 10:54:45 PM

i have a citibank dividend select card i applied for and use all the time. i earn 5% cashback on all gas and grocery purchases and 1% back on everything else. its pretty sweet i think the limit is 5,000.

7/16/2006 10:56:15 PM

joerrad you have got to be the most retarded motherfucker on this website

and that's including drunknloaded

7/16/2006 11:00:37 PM

http://www.thewolfweb.com/message_topic.aspx?topic=420232

7/16/2006 11:02:38 PM

i have a lot of credit cards..I have a shell gas card it's pretty good...advantage is good b/c you save up on frequent flyer miles

I have pretty good credit....my limit for my belk card is like 1700..i think on one of my cards its 2500 limit on american express

7/16/2006 11:08:54 PM

i have a miles card with discover

1 mile for every $1 spent

my credit limit is only $1500 but i pay it off like 3 times a month

from what i've heard a lower line of credit is sometimes better because you're a lower risk because you can't get yourself into that much debt

7/16/2006 11:17:03 PM

any more than three cards and you are going to get yourself in trouble.

A main card (Citibank Dividends or similar), an emergency backup (usually an Amex / Blue), and a gas or store card is all anyone should really be carrying.

And if your CC company won't raise your limit, you probably don't really need to raise it. I keep having to refuse them raising my limit every couple of months.

7/17/2006 12:29:18 AM

i like it when they raise my limit. for one thing, as i understand, your credit score is partially a function of your unexpended credit (i.e., having credit available improves your score).

mostly, though, i just like having that option on the table. my roommate and I just bought jet skis with out credit cards, because we have such low interest rates. we couldn't have gotten loans at comparable rates from a bank, and it would've been much more of a pain to do it that way (i basically never carry a balance on my card--i'll pay it off as soon as my car sells). it's also handy for times like my last move, when I had to rent a Budget truck (and trailer for my car), pay for a hotel for 10 days, etc. The military reimbursed me for everything, but I ended up putting a few thousand dollars on my credit card.



what card to get depends on how you're going to use it. if you're like me and basically never carry a balance, you don't really care what the interest rate is. i just care about the rewards program, and the best thing I've seen is the Chase Rewards Visa (1% rebate on all purchases, 5% on gas/food/medications).

My USAA Mastercard is my other card. It has a larger credit limit (like 5500-6000 or something), and a low interest rate (5-6%, if i remember correctly). It also yields 1% rebates on everything.



if you plan on carrying a balance often...well, don't. but if you do, get a card with a low interest rate. Compound interest is powerful stuff--you don't want to be on the losing end of it.

7/17/2006 1:13:50 AM

USAA is the shit if your eligible, I have had it since I was 16 and have been pleased. They get a little wild with raising your credit limit if you pay your bill in full when you make large purchases.

[Edited on July 17, 2006 at 1:23 AM. Reason : .]

[Edited on July 17, 2006 at 1:25 AM. Reason : ^ There doing the 5% gas thing (up to a certain amount) now too acording to the mailing I got Sat]

7/17/2006 1:22:39 AM

read flyertalk.com for reviews on the best rewards cards...

7/17/2006 1:41:15 PM

i have more than 3 and i'm definately not in trouble..i have victoria's secret, belk, a shell gas card (mastercard), visa, and american express.....I leave the last 2 at home and really only use the first 3....

7/17/2006 3:49:05 PM