Which should I apply for?

Nanobyte · 10-26-2002, 09:42 PM

I'm thinking about applying for that credit card now, but I'm not sure which to apply for. Capital One, Visa, Mastercard, which?

True_Moose · 10-26-2002, 09:49 PM

Check the interest rates and spending caps between Mastercard and Visa. They seem to be accepted pretty much everywhere. Don't go AmEx though; it's gonna flunk out within the next 5-10 years IMHO.

antryg · 10-26-2002, 09:50 PM

Don't get suckered in by tv commercials or low introductory rates. Is there a regisitration/application fee? Is there a monthly or yearly membership fee? What is the % after the introductory period. Looking at that will tell you which card you want. Check out what cards are prevalent and accepted in your area. Most places will accept Visa or Mastercard. Discover or American Express are also good choices. What it really comes down to though is how much you end up having to pay for the honor of having a particular card, not what the intial limit is or what the introductory rate is.

Mack_Attack · 10-26-2002, 10:33 PM

Quote:

Originally posted by Nanobyte:
I'm thinking about applying for that credit card now, but I'm not sure which to apply for. Capital One, Visa, Mastercard, which?

Well I have a card that can get air miles with. I use the TD travel visa card. I almost have enough money now for me and my wife to go out to Victoria B.C. As far as intrest rates is there a credit card out there that is any good IMO there is not. They are all out there to make a buck or two or should I say a million or two. And if you pay it off like a good person should the intrest will not feel that bad. Keep in mind that it costs me a cool 100 bucks to use it though. But it does go towards the air miles.

Happy hunting. [img]graemlins/hehe.gif[/img]

John D Harris · 10-27-2002, 12:39 AM

Quote:

Originally posted by Nanobyte:
I'm thinking about applying for that credit card now, but I'm not sure which to apply for. Capital One, Visa, Mastercard, which?

Don't do it, Credit cards are the spawn of Satan (well ok they're not BUT they ought to be)

Azred · 10-27-2002, 12:53 AM

I agree completely! Why would anyone want to borrow their own money at 18% to 21% interest? [img]graemlins/saywhat.gif[/img] Oh, well...to each their own. [img]graemlins/petard.gif[/img]

Megabot · 10-27-2002, 01:13 AM

Go for Visa it is great no problems at all i have used it for 20 years and not a single problem! [img]tongue.gif[/img]

sageridder · 10-27-2002, 01:20 AM

Ask anyone you know who has gotten into debt badly, in most cases it's because of credit cards.If you feel you just must have one I'd do some researching It's more likely you would get a better rate through some small unknown bank.But know all the terms,penalities,charges,when interest is compounded,ect.Making the minimum payment only accrews more debt.Say for example the minimum is 10% of the total and your interest is 19% your debt increased 9%.I'm glad to say I've never gotten one.But I've seen several people get into trouble paying something off for years that they could have saved for for 6 months or a year for and owned outright.

RevRuby · 10-27-2002, 11:39 AM

i agree that no credit card is the best credit card, i am so far in debt!!!!! but if you must i reccomend capitol one. if you handle it well it will be good to you, but like i said no credit card is the best. good luck. besides...are you old enough ot get one? you have to be 18.

Sir Goulum · 10-27-2002, 11:43 AM

None of the above...don't apply for one. They put you in debt IMO [img]smile.gif[/img]

10-26-2002, 09:49 PM	#2
True_Moose Gold Dragon Join Date: June 18, 2002 Location: Wolfville, NS / Calgary, AB Age: 36 Posts: 2,563	Check the interest rates and spending caps between Mastercard and Visa. They seem to be accepted pretty much everywhere. Don't go AmEx though; it's gonna flunk out within the next 5-10 years IMHO. __________________ [img]\"http://i44.photobucket.com/albums/f13/true_moose/Siggy.jpg\" alt=\" - \" />

10-26-2002, 09:50 PM	#3
antryg Fzoul Chembryl Join Date: August 30, 2002 Location: Dallas, Tx. Age: 21 Posts: 1,765	Don't get suckered in by tv commercials or low introductory rates. Is there a regisitration/application fee? Is there a monthly or yearly membership fee? What is the % after the introductory period. Looking at that will tell you which card you want. Check out what cards are prevalent and accepted in your area. Most places will accept Visa or Mastercard. Discover or American Express are also good choices. What it really comes down to though is how much you end up having to pay for the honor of having a particular card, not what the intial limit is or what the introductory rate is. __________________

10-27-2002, 12:53 AM	#6
Azred Drow Priestess Join Date: March 13, 2001 Location: a hidden sanctorum high above the metroplex Age: 54 Posts: 4,037	I agree completely! Why would anyone want to borrow their own money at 18% to 21% interest? [img]graemlins/saywhat.gif[/img] Oh, well...to each their own. [img]graemlins/petard.gif[/img] __________________ Everything may be explained by a conspiracy theory. All conspiracy theories are true. No matter how thinly you slice it, it's still bologna.

10-27-2002, 01:20 AM	#8
sageridder Drizzt Do'Urden Join Date: March 28, 2001 Location: rensselaer,n.y. u.s.a Age: 56 Posts: 677	Ask anyone you know who has gotten into debt badly, in most cases it's because of credit cards.If you feel you just must have one I'd do some researching It's more likely you would get a better rate through some small unknown bank.But know all the terms,penalities,charges,when interest is compounded,ect.Making the minimum payment only accrews more debt.Say for example the minimum is 10% of the total and your interest is 19% your debt increased 9%.I'm glad to say I've never gotten one.But I've seen several people get into trouble paying something off for years that they could have saved for for 6 months or a year for and owned outright. __________________ Trust is indeed a shiny jewel,set in the stone of friendship.And much like any other stone can be use to crush the skulls of those unsuspecting.To clear the path for me to claim my rightful place as master of all I survey. Play games win prizes completely free. http://teet.net/af/bd395b7216 So far I've won an 8gb ipod nano and an acer inspire netbook

10-27-2002, 11:39 AM	#9
RevRuby Fzoul Chembryl Join Date: July 11, 2002 Location: Limbo Age: 44 Posts: 1,720	i agree that no credit card is the best credit card, i am so far in debt!!!!! but if you must i reccomend capitol one. if you handle it well it will be good to you, but like i said no credit card is the best. good luck. besides...are you old enough ot get one? you have to be 18. __________________ peek-a-boo

10-26-2002, 09:42 PM	#1
Nanobyte Thoth - Egyptian God of Wisdom Join Date: March 1, 2001 Location: NC Age: 38 Posts: 2,890	I'm thinking about applying for that credit card now, but I'm not sure which to apply for. Capital One, Visa, Mastercard, which?

10-27-2002, 01:13 AM	#7
Megabot Ma'at - Goddess of Truth & Justice Join Date: October 18, 2003 Location: Oslo, Norway. Age: 61 Posts: 3,360	Go for Visa it is great no problems at all i have used it for 20 years and not a single problem! [img]tongue.gif[/img]

10-27-2002, 11:43 AM	#10
Sir Goulum John Locke Join Date: February 7, 2002 Location: Edmonton, Canada Age: 35 Posts: 8,985	None of the above...don't apply for one. They put you in debt IMO [img]smile.gif[/img]

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