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Any Good Credit Cards??

Old 06-25-2007, 10:43 PM
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Default Any Good Credit Cards??

What good credit cards are out there with reasonable payment due cycles? It seems that many are 20 days, 5 of which get used up in mailing the bill to you and 5 of which get used up when you make payment. That leaves 10, which are easy to use up if you are away or just get busy for a couple of days. They card says you have a 32 day billing cycle but the effective payment cycle is pretty short - 10 to 15 days or so. The companies seem to be trying to trigger late payment fees.


I need to replace a couple of cards whose statement date and payment due dates are separated only by 20 days. I don't carry any balance, so I am not looking for a low interest rate.

I just noticed my Cabela's card has this minimal time period, so I stopped using it. My BPS card was 25 days, but the latest statement is 20 days.

I need a new credit card or two, so what is a good choice? If need be, I will give up on rewards and us a debit card.
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Old 06-25-2007, 10:54 PM
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Default Re: Any Good Credit Cards??

I only use rewards cards and do not carry a balance - the cc companies hate me! I also take advantage of their email alert features which tell you when you bill is due (no more waiting for the bill in the mail) and you can set it up for automatic payment - I don't do this because I like to press the payment button knowing how much the bill is.

I use my CC exclusively for home and one for business so I try my best to rack up the rewards. And I only use those which offer cash and don't do the points thing.
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Old 06-25-2007, 11:33 PM
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Default Re: Any Good Credit Cards??

i pretty much do they same thing is firefly. i put EVERYTHING i can on my rewrds cards and have it autodraft my bank account everymonth the day before the bill is due and pay it off every time. i have both citi rewrds and chase rewards
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Old 06-26-2007, 01:10 AM
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Default Re: Any Good Credit Cards??

FireFly - 6/26/2007 7:54 PM

I only use rewards cards and do not carry a balance - the cc companies hate me!

Ditto! And we are set up to check balances and pay online whenever we are out of town.

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Old 06-26-2007, 09:30 AM
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jeffro22 - 6/25/2007 11:33 PM

i pretty much do they same thing is firefly. i put EVERYTHING i can on my rewrds cards and have it autodraft my bank account everymonth the day before the bill is due and pay it off every time. i have both citi rewrds and chase rewards
Citi for home and Chase for business
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Old 06-26-2007, 04:30 PM
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Default Re: Any Good Credit Cards??

AMEX - and pay the bill each month. Don't let em talk you into the sign and travel program.
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Old 06-26-2007, 07:41 PM
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Default RE: Any Good Credit Cards??

the best CC out there is a prepaid one. all the others are baloney
they all start with lower starting rates after a year you will be paying 20 or in some cases 30 percent on the money, Shut that's what I kill myself do do on the stock market as yearly return.

And I have to do alot of research work etc to have a good year like that.

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Old 06-27-2007, 12:58 AM
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fidhhook54 - 6/27/2007 4:41 PM

the best CC out there is a prepaid one. all the others are baloney
That's the worst possible scenario. A pre-paid card leaves you no recourse against fraud, theft, or loss. Avoid them at all costs.
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Old 06-27-2007, 05:12 AM
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Think I'll stick with my Discover Card, 1% CASH rebate on all purchases. Not points or miles or free gifts

Regardless of which card you use, paying the balance in full each month is the key. Also paying ANY annual fee just to have the card, like Amex, just doesn't make any sense.
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Old 06-27-2007, 11:48 AM
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Pre paid? You are giving them money to hold on to and not getting interest in it? Yikes!!!!!!!!!!!!!!!!!!!!! Let that money work for you bro!
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Old 07-15-2007, 08:02 AM
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I use discover for everything (gas, groceries, ect...) and get the cashback.
Allways pay off every month (usually around 1500). That is the key.
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Old 07-15-2007, 10:19 AM
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the Basspro Visa works great for me. I put everything on it and pay it off each month. The interest rates are super low if I ever did carry a balance and the rewards points are the real reason for having it. I haven't paid for tackle/lures in a long time. It all comes from the rewards points!
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Old 07-16-2007, 06:53 AM
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Never carry a balance, but Credit cards are for different purposes. AAA Visa around 5% cash back on fuel. Capitol one is good for travel overseas, no conversion fees and have a free airline FFM program. I have a citi American airline Card cost me about $50 a year, will probably drop it when I use all the FFM. I stopped using Discover when they would no longer send info on bill to my bank for online banking and Sam's now takes mastercard.
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Old 07-16-2007, 08:05 AM
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Default RE: Any Good Credit Cards??

If you pay them off fully and immediatly, you should be okay with all of the major cards.

Doing this will will quickly raise your credit score if you are new to the credit market. Then you will get offers for no-fee and premium service cards.

Another trick you can do to reduce surprises is to check your balance before making the payment. If charges have been made since your bill was sent it will be higher than the statement amount. If you have enough on hand to make that payment you will have less to worry about next month. I have been told this counts as an "early" payment which also looks good on your credit history. Those charge will still show on your next statement so you can verify them for acuracy.

Good luck!
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Old 07-16-2007, 09:31 AM
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USAA Mastercard. Paid off each month. Variety of options for points earned. We use the points earned to buy Christmas gift cards each year for ALL family members. Outside of typical purchases throught the year, nothing comes out of our pocket in December. Has worked well the last 5 years. Recommend you get rid of multiple cards, curb spending, and pay off each month. Good luck!!
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Old 07-16-2007, 09:47 AM
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Any card that has a rewards program. My wife and I currently have four of them. AMX, Citi Bank etc.... Each one has rewards for different things. AMX offers rewards for Costco. Citi Bank on gas and resurants. Frankly, I don't care what the rates are, I have never had a balance on a CC, ever. To date I have made over 7K off over Discover Card. I have never understood why sooooooo many people keep a balance of the CC. Unless its an emergency, if you can't afford it you don't buy it.
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Old 07-16-2007, 11:14 AM
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Default Re: Any Good Credit Cards??

I have REALLY enjoyed my Bass Pro Outdoor Rewards card!!!!
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Old 07-17-2007, 09:08 PM
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I have a Racetrac mastercard. I get 1 percent for all purchases and 3 percent for any purchases at Racetrac gas stations. I have plenty Racetracs around here, this may not be so where you are. The rewards are checks usable at Racetrac only, but with the price of gas, we quickly use them up.
http://www.racetrac.com/dynamic.aspx?id=1166
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Old 07-17-2007, 11:38 PM
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gold amex paid off at the end of the month. Don't ring up your credit cards. Trust me I know. I just got done paying off $45,000 in credit card debt. That really hurt. The funny thing is you think you have a bunch of money when you are done paying off.
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