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Discussion in 'Credit Talk' started by ero2, Sep 16, 2003.
Thanks for anyone who has this card and can offer me some insight.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
I got this card in 2000 with a CL of 10.5K and use it all the time. After about a year it went to 16.5K, then to 18.5K where it is now. I've never used the "no preset limit" option but was told that when planning a big purchase, it's a good idea to call it it will put you over the limit.
The other thing to know is that you can negotiate the APR. My APR started at 19.4--this was before all the fed cuts-- and now is at 7.9.
I have found the no-preset option handy, especially when travelling on business. Similar dynamics of an Amex card (no preset limit). But remember, if you go over you C/L at closing date, your minimum payment will include the exceeding amount (ie - if your minimum payment is $72 and you are over your c/l by 1K at statement date, your minimum will be $1,172).
How much "over the limit" you can go varies on your payment / purchase habits and usage pattern.
I went from a 3,400 c/l (citi silver aa) in '01 to a 10k revolving c/l today (citi AA world p/s). I have gone over my limit by about 3K for business trips but paid the exceeding amount before statement date.
One caveat -- Citi AA World does not report your revolving C/L or high limit.
Other than that, its a great card product. Have racked over 90K miles this year alone from purchases / idine / at&t long distance, etc.