I don't want to use my Chase card because it has like a 23% Interest Rate

I hardly ever use the Capital One Card anymore. I originally opened it to transfer the balance on my Chase because it has a 0% Transfer Rate and also 0% Interest on the first 18 months of the card.

I haven't used the Walmart Card except for the first time when I put about $1300 on it, I got 1 year free interest, and I have 3 months left to pay off the remaining $260 on it in order to not pay the full interest of the entire purchase.

The Firestone Card only works at Firestone, so whenever I buy tires I use it.

The Loan I got was $5800, $6600 after interest. I pay $184 a month on that. Its a 36 month loan and I am 19 months in.

When I checked my Credit Score in January it was over 680. Hopefully I'm over 700 now.

I've gotten messages to call AMEX, to hold cards, crazy stuff. The couple of times I've been asked to "hold" a card, the person would call me back within an hour and have me run it again and it would go through with no problems. Amex is screwed right now.

What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

It's a great idea.

i got a bunch of reward points and i've never used any of them. :shrug:

i don't even know what they do

i think some credit card actually gives you cash back instead of reward points.

dunno how it works but it might be worth looking into

That's what I do. Ours pays 1% cash for most and 2% for groceries I think. It's not much, but it adds up to $50-$100 every 3 months.

I have wayyyyyyy too much credit card debt. My new years resolution is to start getting it paid down.

Do you have to accept a higher interest rate? What brand of CC do you have?

AMEX rewards kick ass, IMO.

Plus I get double/triple points when paying a utility bill, using it for gas or at the grocery store.

About thr same time I paid off two lines of credit, my most used card bumped my line to 40K.

Not really. Of course, I don't know - I haven't paid an interest charge in years. It's Citi.

I got 1 for 1k

1 for 900 or so

I'm rebuilding my credit after a tumultuous early 20's...I got in a dispute over a fee on a card back then and stupidly refused to pay......dumb move. Although I was able to buy my house 6 years ago, so maybe it's not as bad as I thought.

I think my Discover has around a $9k limit on it. It never comes close to it though. I use it to pay for almost everything for the 1% cash back, and pay it off every month.

Best deals are Amex Blue 1.5% on most everything 5% on gas and groceries

Schwab credit card - no annual fee - rebates 2% into your Schwab investment account monthly.

For business if you charge a ton and pay it off 10 days early, Amex Plum is the bomb - $7k and counting cash back this year....

DT