May 2008 Weddings
Dear Community,

Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.

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Credit Cards

Right now we don't have a credit card. We just use our debit cards for everything. We want something to help build our credit. We would pay it off every month.

I really do not know a lot about credit cards, and there are so many to choose from. Rewards or cash back would be nice, but not required.

Any suggestions?


Re: Credit Cards

  • i have a capital one card. it's not too bad. i just use it to put "business" things on.
  • I have an American Express card w/ rewards points and also a Visa through State Farm Insurance that I get 1% on all purchases that I can use to pay off any other loan w/ SF (I have a car loan through them). I've nver had any problems with either of them. I just cashed in my rewards w/ American Express and got a $50 gift card to Red Lobster. I had a Mastercard a long time ago but they wouldn't give me any rewards or cash back options so I canceled that card. I figure if you can get them why not.

    Just for reference though, I think Visa is the most popular cc around (I could be wrong though)


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  • if i were you, i wouldn't get a credit card. if you are paying for everything out of your checking account as is, i would continue doing so. even if you say you'll pay it off every month, something may happen to where you won't be able to and you get behind a voila, cc debt.

    if you really want to get a card, i suggest apply for a card for a specific store you may purchase from sometimes, but not all the time such as maybe JCP, VS, Macy's..

  • I had a capital one card and hated all their fee's and their customer service was bad to me.

    We have a discover for H for work and we like it because you do get a lot of points however some places don't take discover.

    We also have bank of america for personal...we actually have two. Ones a Nascar and ones a Bass Pro Shop but its still Bank of America.

    We also have AT&T which we don't have a balance on and they were always great.

  • i forgot. H and I both have capital one cards. mine has a limit of only 1000 but no interest rate. i only pay $1 per 100 (ex. $5 for anything 500-599) but i don't think they offer this one anymore
  • There's so many cards to choose from out there that you could really look into them and see which one has the best rewards/other offer that appeals to you most.

    My main suggestion is just read the fine print before signing up for a card. You want to make sure you get a card with NO annual fee and a low APR - just make sure those with a the low introductory APR don't sky rocket after your introductory period is over.

    I've probably had the best experiences with my Chase cards, but I also bank with Chase so I find it much more convenient to use those cards since I can see their balance as well when ever I log into my bank account online. Your bank might be able to give you a better interest rate/credit limit since they'll be familiar with your financial situation already.


  • I agree with Kermit, I have always had a great experience with Chase as well. I don't bank with them but we have a couple cards through them.

    I think you should DEF. get a card even if it's just one with a low credit limit. It will help you build your credit. DH didn't have any credit and he couldn't even get a Circuit City card to get our TV, I had to do it. It can become a problem eventually when you have no credit at all.

    Def. do some research on the cards out there. I like Discover too, they have rewards but like a pp said, some places don't take Discover.


  • I have a CITI card that I use to rack up my AA miles that I really like.  I never did care for my Capital One card, but now there is a financial center down the street from me for Capital One that seems convenient.  I think My AT&T card is a CITI card as well.
  • Visa is definately the most popular card. It's the least expensive card for a company to carry. American Ex and Discover are the most expensive cards for a company to accept. (they pay a higher per transaction fee) so I would stick with a Visa. I personally have a credit card through Wells Fargo. My husband has a card through Cabela's since he shops there all the time and gets great rewards. My parents use a frequent flyer miles card so they get free airplane tickets.
  • This website might be helpful. People can rate a card and leave comments.

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