Best Credit card?

**Cerwin Vega Fan** · 12-30-2008, 03:19 AM

What would you say is the best credit card currently on the market? I'm looking either at a card with a very low interest rate or one with high a cash back return. Right now I have a Citi Cash card that is 1% across the board and more if you shop at certain stores. Problem is none of the stores are located anywhere in my home town so it is basically a 1% cash back card for me.

**third_shift|studios** · 12-30-2008, 04:53 AM

I've always had success with Chase Visa, but i've heard others on here who've been fucked. My wife had a Chase/Disney card and someone obtained her number and spent like a grand on internet shit. We never caught it b/c they weren't sending her invoices for whatever reason and appearantly they didn't see anythign fraudulant about a person somewhere else in the country using a card from KY?????

**SandmanWs7** · 12-30-2008, 06:14 AM

Originally Posted by third_shift|studios

I've always had success with Chase Visa, but i've heard others on here who've been fucked. My wife had a Chase/Disney card and someone obtained her number and spent like a grand on internet shit. We never caught it b/c they weren't sending her invoices for whatever reason and appearantly they didn't see anythign fraudulant about a person somewhere else in the country using a card from KY?????

Your cards suck. I have to call mine every time I got out of town. If I dont they dont let me charge anything. Happened to me the first 2 times I went to Vegas.

**Cerwin Vega Fan** · 12-30-2008, 06:15 AM

Originally Posted by third_shift|studios

I've always had success with Chase Visa, but i've heard others on here who've been fucked. My wife had a Chase/Disney card and someone obtained her number and spent like a grand on internet shit. We never caught it b/c they weren't sending her invoices for whatever reason and appearantly they didn't see anythign fraudulant about a person somewhere else in the country using a card from KY?????

Thats crazy man, from what I have been reading the Amex blue cash card is a great car for cash back purposes.

**JoshieDoom** · 12-30-2008, 06:55 AM

My paypal is locked because of this.... lol damn lower and upper a-arms for xmas must be like terrorist buying nuclear arms.

I need a CC

Another one LOL

**gonzo99ta** · 12-30-2008, 06:56 AM

for high cash back i like my GM master card... 5% towards purchase of new GM vehicle. I got $2000 towards my 2500HD when i bought it, this is after you discuss your final price and all rebates 1st. Have anothr $2k+ sitting on it again awaiting my next vhicle purchase.

Also use my discover card 1% on most purchases with quaterly 5% promotions in certain categories. some quaters are gas others are groceries... these go by the listed type of purchaes and are not limited to certain locations. i had about $400 in cashback on this card before Xmas and used some of it on there website to buy gift cards. They offer gift cards to numerous stores and restaurants with offers like buy for $40 get $45 gift card.

**third_shift|studios** · 12-30-2008, 07:24 AM

Originally Posted by gonzo99ta

for high cash back i like my GM master card... 5% towards purchase of new GM vehicle. I got $2000 towards my 2500HD when i bought it, this is after you discuss your final price and all rebates 1st. Have anothr $2k+ sitting on it again awaiting my next vhicle purchase.

Also use my discover card 1% on most purchases with quaterly 5% promotions in certain categories. some quaters are gas others are groceries... these go by the listed type of purchaes and are not limited to certain locations. i had about $400 in cashback on this card before Xmas and used some of it on there website to buy gift cards. They offer gift cards to numerous stores and restaurants with offers like buy for $40 get $45 gift card.

OMG...i'm looking into that...wonder if they'd give me 5% on a $5k transfer??

**Tide** · 12-30-2008, 08:36 AM

Fuck credit cards.

Pay cash (or use a debit card). If you can't pay cash for it you don't need (other than a house and *maybe* a car).

**JerseyLS1** · 12-30-2008, 08:41 AM

I don't use it anymore, but I've always had good experiences with my Capital One

**RoysTransAM** · 12-30-2008, 09:00 AM

Originally Posted by Tide

Fuck credit cards.

Pay cash (or use a debit card). If you can't pay cash for it you don't need (other than a house and *maybe* a car).

+1

And American Express is the biggest rip off out there. I don't understand how they still exist. And good luck finding a place that excepts A.E.

**Y2KSS1363** · 12-30-2008, 01:06 PM

Originally Posted by RoysTransAM

+1

And American Express is the biggest rip off out there. I don't understand how they still exist. And good luck finding a place that excepts A.E.

What he said!

I have a GM card that I pay off every month, no interest charges for me.

I got $2K off on my '96 K1500, '00 SS, and '04 Silverado. Got $2.5K in rebate
on it now, I'm saving for a Camaro 'vert.

**tonyjnjz** · 12-30-2008, 01:23 PM

does the gm cards 5% have a max yearly amt? is there a max lifetime amt on it?...........if u charge 20k a yr ( 4k on the card at 5%) ...so in 8 yrs or so u can get a GM car for FREE???????

u could do that every 8 yrs and never buy a car

**Cerwin Vega Fan** · 12-30-2008, 05:10 PM

Blue Cash in one the way.

**Y2KSS1363** · 12-30-2008, 08:19 PM

Originally Posted by tonyjnjz

does the gm cards 5% have a max yearly amt? is there a max lifetime amt on it?...........if u charge 20k a yr ( 4k on the card at 5%) ...so in 8 yrs or so u can get a GM car for FREE???????

u could do that every 8 yrs and never buy a car

Yeah, there's limits. $500 a year in rebate, max of 7 years, $3500.

Newer members have different terms, I believe $2K max per car, but higher
limits per year.

https://www.gmcard.com/GMCard/

**Z28Thunder** · 12-30-2008, 08:23 PM

Best Credit card...

Cash..

If you dont have the cash for it now... You can not afford it...

(minus house loans and car loans)

**gonzo99ta** · 12-30-2008, 10:24 PM

as long as you pay off entire card balance monthly it is like using cash, except cash does not give you the extra perks that some credit cards offer. Some debit cards are getting better, but i still don't like a card that is tied directly to my bank account.

**issues** · 12-30-2008, 11:37 PM

i hate credit cards. im 3800 deep in mine now

**camaross0002** · 12-31-2008, 12:02 PM

Originally Posted by third_shift|studios

OMG...i'm looking into that...wonder if they'd give me 5% on a $5k transfer??

not on balance transfers looked into that myself also a fee for the balance transfer to back when i was looking into it.

**Krazydan** · 12-31-2008, 02:48 PM

Im almost free from my credit card and will never use them again. Its gonna be all cash from now on

**krusemj** · 12-31-2008, 06:53 PM

There isnt a good credit card. If you cant pay for it you shouldnt by it. This whole spending money that you dont have is a huge part of the reason this country is in the trouble that it is in.