Please recommend your credit card

[Anonymous]

Anonymous wrote:If the APR is something that matters to you, you shouldn’t have a credit card. I don’t even know what the APR is on my credit cards because they are paid in full every month.

+1 Please spend only what you have and pay off your credit card in full every month.

[Anonymous]

Anonymous wrote:Wow, thanks for all the help, guys, and the judgment too. Never mind!

You sound dumb, sweetie pie.

[Anonymous]

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Lol what??

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

Okay, Richie Rich! Very…very few people have a $34K credit limit on a single credit card. Maybe Bill Gates? You’re either lying or living in a total bubble. Stop being so smug and pretentious and definitely stop misleading people into believing your silver spoon lifestyle is typical!!

What? We have two cards with 35k limits and several cards with 10-24k limits. HHI 250k, so comfortable but not rich by dcum standards.

[Anonymous]

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Lol what??

I feel like this poster is writing from Topeka c. 1985.

[Anonymous]

Anonymous wrote:I like Bank of America's Cash Rewards card. You can choose a category to get 3% on, everything else is 1 or 2%. Unlike a lot of the other cash back cards, you don't have to change categories every three months, you can set it and forget it.

I like this one, too. Also convenient since we bank with them.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I like Bank of America's Cash Rewards card. You can choose a category to get 3% on, everything else is 1 or 2%. Unlike a lot of the other cash back cards, you don't have to change categories every three months, you can set it and forget it.

I like this one, too. Also convenient since we bank with them.

I use it as well. I put 3% to online purchases where I do most of my spending. When the gas was high I had on Gas purchases.