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I recently applied for and got this credit card based on the recommendations of people on this board, and I'm so happy that I did. I had a smattering of other cards that I rarely used that kept low balances. Now I have transferred all my credit card balance to this card, and it's much easier to keep track of. The low interest rate is obviously the big selling point here, but I've found that the customer service is surprisingly good for a 'big bank'. I wish there was more ways to deal with the ins and outs of this card online, but for now the service is adequate enough that I will continue to use the service. I would recommend this card to just about anybody who can get it!
This is my newest go-to card after being accepted a month or so go. I love everything about it. It's simple to use, I can easily keep track of my purchases, and customer support is quick to answer back when I have a question for them. I'm not too thrilled with the $39 annual fee, but it looks like I'll more than make up for it by the extra perks and cash back that they offer. I would recommend this card to anybody who's trying to build up their credit score and wants to wade into the pool rather than diving in!
My long-time girlfriend uses this card often for travelling, because she stays at the Hyatt whenever possible. That part of the card is great! She earns extra nights, and then we go on vacation! Apart from the Hyatt rewards, however, this card doesn't have much going for it. There's no intro period, which isn't too big of a deal. The rate isn't too bad, maybe under most rates out there, but you just don't get many perks other than with the actual Hyatt hotels. This is the type of card you want to use while you're staying there, but other than that you'll probably be better off with a different card.
There's two sides to getting this card. On the plus side, American Express is a great company, and having their army of customer support agents at your side is a pretty great feeling. The system is set up so ensure a great experience from the customer standpoint. However, the cons are more practical in nature. The annual fee is $125, which is a pretty high fee to deal with American Express. In addition, not all companies will take American Express, so having another card as a backup plan is a good idea. If you're in a financial position where this isn't as important to you, I would suggest applying for this card. Having it in your pocket when the need arises is certainly comforting.
This is a card that typically sits in my wallet, I end up not using it too much. Although Discover isn't accepted everywhere, most of the places that I frequent don't have a problem with it. The rate is pretty good, and because I use it so little it's easy to pay off every month. I haven't had any issues at all with the customer service or hidden fees or anything. I do enjoy getting rewards and other perks that Discover offers, but I simply don't spend that much on my card to really see a big difference. I would recommend this card to anybody who just needs a nice emergency plan for major expenses.
The Slate card is easily one of the best cards out on the market right now. For people who are carrying balances like myself, the no balance transfer fee is an amazing deal. I have never had any problems with my credit limit or when dealing with payments or balances. The interest rate is pretty standard, you should always make sure that you're not overusing your card. If you're with a card that you're not too happy about right now, I would certainly suggest applying for this card to see if you qualify. If you're just starting out with credit cards, I would also at least look into this card. One thing that I have to say that I don't like about this card is the lack of internet support. I spend a lot of time online, and it really helps to be able to deal with my banking while I'm also working.
I would not, under any circumstances, apply for this card! The costs are far too high, which is somewhat expected when dealing with a card that promises that anyone can get it. But if you're struggling with credit and trying to build up a credit score, shelling out almost $350 right off the bat for the privilege of using a credit card is not really the way to go. There are better options out there for people who are looking to build up their credit ratings. (Orchard Bank is one that pops into my mind) If you do decide to get this card, watch all your information like a hawk and make sure that you are on top of any hidden fees or charges when dealing with the company. And as soon as it's possible, get rid of the card and switch to something with some better terms.
My Discover card has been great! I rarely have any problems at all while dealing with the company, which is a major plus on the side of Discover. The customer service is great, and their rates are reasonable as well. The only downside is that some places will not take a Discover card, so make sure that you always have a back up plan. It doesn't happen too often, but it does happen. Most places do take the card however, so it's easy to build up your rewards to the point where you are getting a pretty decent chunk back when using it. If you can qualify and are in need a credit card, I would take along look at this Discover card. It is simply one of the best deals available on the market today.
This is my favorite card that I have, and it's not even close. I have been using it to build up my credit, but the rewards are good enough that I will just use it for every day items that I am going to pay off anyway. I did have a billing problem when I first opened my account, but it was resolved after a phone call and not too much waiting on hold. I would suggest this card to anybody who is looking to build their credit and knows how to do it. The fees and charges are super low, and the interest rate isn't too bad as long as you stay on top of your payments.
I got this card because I already do my banking business with Chase, and I find that you have to handle it the same way that you handle them. Be very careful about your finances, and you'll be ok. But don't slip up! The intro rate is great, but you have to be careful when looking at your future payments. They have been slowly increasing my credit line, which works well for me because I can use my card for big expenses and then simply pay them off. However, if you're in a crunch and need money that you're not sure how you will pay back, be wary. The charges are a little on the steep side, and their customer service is a little bit lacking. As long as you stay on top of your finances and don't cross the boundaries, you should be happy with this card as well.
I got this card after seeing some of the commercials for it. To be honest, I was kind of underwhelmed. The commercials sound great enough, and the introductory APR of 0% is of course good. The problem comes on the somewhat misleading "Up to 1% cash back". Do you know what is up to 1%? Everything below 1%. Now I no longer use this card, as it's not worth keeping up on what the rotating reward categories will be. Coupled with the fact that Discover isn't as widely accepted as some of the other major credit cards, and I would think long and hard before obtaining this card.
I applied for and received this credit card, and overall I am very very happy with my decision. I wanted something with a very low fee structure, and something that I could just have in case of an emergency. This card has worked out GREAT! Now, there may be problems if you're going to be using your cards to actually rack up a load of debt, as this card is easy to obtain and your limits start out fairly low. But if you use it responsibly and pay it off promptly, you'll be very happy with the service that you get from it. Every time I had a problem or concern about my card, their customer service was quick to address my issue, and it was always resolved in a satisfactory manner. As always, you should VERY CAREFULLY take into account all of the pros and cons when deciding to get a credit card. But I would recommend taking a look at this one, especially if you're only wanting a card for occasional use.