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Discussion in 'Credit Talk' started by Dani, Nov 19, 2001.
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FLEET 0.00% BT & PURCHASES ($7.00 available for an emergency).
MBNA AMERICA QUANTUM 1.70% on BT, purchases 11.99% so it is NOT used for purchases.
BofA PRIME on BT, purchases 16.90%, so it is NOT used for purchases.
Various other cards 2.99%-9.99%.
I use specific cards for specific reasons.
DO NOT GET A FLEET CARD!!! If you close the account with a balance, your interest rate will immediately become 26.99%.
I TOOK IT ANYWAY...mine has 0.00% on BT and PURCHASES with a "GO-TO" 9.99%...(not available to the "general" public).
I just won't close it with a balance.
Be careful with fleet George. I haven't heard many raving reviews of their company. Don't let them deck ya' like they've done to many others.
I think GEORGE is well ahead of them
I use different cards for different purposes. For ex: I use Blue for rewards points, the 9.99% fixed rate, and best value guarantee (great for electronics with prices that keep falling). The other card I use for rewards points is my Citibank Sony card.
If I want to carry a balance I use either Blue or Bofa Platinum (9.99%). For cash advances, MBNA Quantum has a good rate with no fees. I know having lots of cards is not good for FICO, but it's tough to cancel these types of cards.
I personally like to play BlackJack with mine!