Good Credit Cards

#1
volwindy

volwindy

sunshine hiker
Joined
Sep 6, 2005
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#1
Alright, I know I'm young you can get those jokes out, but I am looking for a good cash back credit card. I just got my first credit card early this year because I wanted to buy a house and now that I am finally working up good credit on my first card, I want to get a different one that allows rewards. Any suggestions on a good one? Thanks! :thumbsup:
 
#2
#2
Our banners say to get a Chase bank UT credit card. :lol:

I don't have any except a Sears card... so I'm no help.
 
#5
#5
I have one that I don't really use. I stay away from those things as much as possible.
 
#12
#12
Up until a month ago I was running most expenses through an American Express, but I got some pathetic customer service from a couple of people I highly suspect were sitting in cubicles in New Delhi and I have switched over to a Chase Freedom Visa rebate card.
 
#13
#13
GAVol said:
Up until a month ago I was running most expenses through an American Express, but I got some pathetic customer service from a couple of people I highly suspect were sitting in cubicles in New Delhi and I have switched over to a Chase Freedom Visa rebate card.
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I have a USAA MasterCard and my NRA Visa, which is run through the First National Bank of Omaha. There is nothing better than having someone whos first language is English on the other end of the line when i have an issue.
 
#14
#14
GAVol said:
Up until a month ago I was running most expenses through an American Express, but I got some pathetic customer service from a couple of people I highly suspect were sitting in cubicles in New Delhi and I have switched over to a Chase Freedom Visa rebate card.
Click to expand...

I have never gotten poor service, but this is not good news at all.
 
#15
#15
I like other people's credit cards.

Like my freedom more so I stick to my Amex and Mastercard. One gets mileage for Delta and the other for Continental.
 
#16
#16
The best credit card is no credit card at all. The reward is not winding up in over your head in debt. I've been there and done that and decided to stay away from the plastic from now on. Just my :twocents:
 
#17
#17
Credit cards are evil. Use your bank debit card, pay your bills on time, save for a fat down payment. Don't be in a rush to buy your dream house. Buy a HUD forclosure, fix it up, (yourself preferrably) resell for a nice profit. Buy another and do the same. After you do three or four you should have enough to pay cash for a nice house. No payments. My ex sister in law did this. Took them about 7 years and they paid cash for their 5th house. And it was NICE too.
 
#18
#18
Totally agree with superdave and MBRO. There are plenty of ways to build credit without a CC.
 
#19
#19
superdave1984 said:
Credit cards are evil. Use your bank debit card, pay your bills on time, save for a fat down payment. Don't be in a rush to buy your dream house. Buy a HUD forclosure, fix it up, (yourself preferrably) resell for a nice profit. Buy another and do the same. After you do three or four you should have enough to pay cash for a nice house. No payments. My ex sister in law did this. Took them about 7 years and they paid cash for their 5th house. And it was NICE too.
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It is nice to do that but right now its very hard due to the housing market right now.
 
#20
#20
superdave1984 said:
Credit cards are evil. Use your bank debit card, pay your bills on time, save for a fat down payment. Don't be in a rush to buy your dream house. Buy a HUD forclosure, fix it up, (yourself preferrably) resell for a nice profit. Buy another and do the same. After you do three or four you should have enough to pay cash for a nice house. No payments. My ex sister in law did this. Took them about 7 years and they paid cash for their 5th house. And it was NICE too.
Click to expand...

Good for them; some people don't have the time or money to invest in something like that, like me. I'd rather go the CC route. I have always paid my bills on time and continue to do so. I'm not looking for my dream home anyways, I'm not married and I'll be buying this on my own, just graduated college, so it will take me awhile to save up for a house.

And for those of you that got into debt, sorry about that, but I am not a hefty spender, I don't like shopping, so I pay my bills with the CC to gain credit. You still need good credit for anything these days.

Thanks for all the advice though.
 
#21
#21
My mom is in real estate and there are plenty of foreclosures and auctions that you can get good deals on... in Knoxville anyway.
 
#22
#22
JZVOL said:
My mom is in real estate and there are plenty of foreclosures and auctions that you can get good deals on... in Knoxville anyway.
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Oh yeah, Theres plenty of sellers but a lack of buyers now. Thats just not in Knox. thats everywhere.
 
#23
#23
JZVOL said:
My mom is in real estate and there are plenty of foreclosures and auctions that you can get good deals on... in Knoxville anyway.
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I looked into moving to Knoxville after college, but the job market was tiny compared to Charlotte, plus Clt is a great city.

The good thing about my job is I see quite a few houses that go into foreclosure so I keep my eye open, but the other problem with getting a house that needs alot of work is that I am not that handy with fixing things and well Lowes and Home Depot are like foreign to me!
 
#24
#24
volwindy said:
I looked into moving to Knoxville after college, but the job market was tiny compared to Charlotte, plus Clt is a great city.

The good thing about my job is I see quite a few houses that go into foreclosure so I keep my eye open, but the other problem with getting a house that needs alot of work is that I am not that handy with fixing things and well Lowes and Home Depot are like foreign to me!
Click to expand...

That's the truth. That's why most of my friends have moved away. I'm lucky I went to work for my father's company or I would have had to leave Knox too.

You and me both. That's what my brother-in-law is for :)
 
#25
#25
JZVOL said:
Totally agree with superdave and MBRO. There are plenty of ways to build credit without a CC.
Click to expand...

I hate it when people start talking like this. There are some that are not responsible with their CC's but are in the minority. With my job I couldn't survive without one and the company doesn't provide it.

If you remember that a CC is not an extension of your net pay then you'll be fine. Use it to build your credit, get rewards, etc and you'll be fine.
 
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