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Credit Card debt question

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aliwnec10
mom of 3 boys

Member since 4/06

11426 total posts

Name:
Ali

Credit Card debt question

Those that have credit card debt (which includes us- home purchases)... what cards have you found to be the best?

Have you transferred your debt to a 0% APR credit card? If so, which was the best one you've found for the longest period (typically they're 12 months right)?

Message edited 6/28/2007 1:12:03 PM.

Posted 6/28/07 1:11 PM
 
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KGools
Happy

Member since 9/06

9532 total posts

Name:
Kim

Re: Credit Card debt question

For me, it's been Chase. You get tons of poitns too.

Posted 6/28/07 1:12 PM
 

MrsRbk
<3 <3 <3 <3

Member since 1/06

19197 total posts

Name:
Michelle

Re: Credit Card debt question

We use AMEX for everything. It's linked with Costco and we bet either 1 or 1.5% back at the end of the year which equals one huge check from Costco.

Posted 6/28/07 1:14 PM
 

GioiaMia
Let's Go Rangers!

Member since 1/07

14818 total posts

Name:

Re: Credit Card debt question

Posted by CoopersMom01

For me, it's been Chase. You get tons of poitns too.



i switched to a Chase card with 0% for a year. . . and now i am ALMOST debt free!

Posted 6/28/07 1:16 PM
 

VickiC
Rocking the party

Member since 5/05

4937 total posts

Name:
Vicki

Re: Credit Card debt question

I've transferred balances to 15 month cards - it all depends on the deal you are offered. bankrate.com has some good offers going - you can apply for whatever is right for you, or wait to get something in the mail.

Right now I have a 0% card through Bank of America that we used for DH's last semester of Grad school. 0% instead of 7.25%.

Posted 6/28/07 1:19 PM
 

kaklesmay
Love my baby boy!

Member since 9/05

1151 total posts

Name:
Kim

Re: Credit Card debt question

I use Discover for my monthly-pay-off balance= cash back rewards annually usually around $350

BOA- Balance transfer rate 0% 12 months

Posted 6/28/07 1:31 PM
 

Blu-ize
Plan B is Now Plan A

Member since 7/05

32475 total posts

Name:
Susan

Re: Credit Card debt question

amex for everything but I have consolidated before using a chase card.

Posted 6/28/07 1:35 PM
 

MegZee
My bunny

Member since 5/06

8777 total posts

Name:
Meaghan

Re: Credit Card debt question

Posted by kaklesmay

I use Discover for my monthly-pay-off balance= cash back rewards annually usually around $350

BOA- Balance transfer rate 0% 12 months




I have the same - BOA transfers were 0% - I paid for my granite counter top on my VISA (I get rewards) - then I transferred to my 0% BOA - I got a $150 gift card to Home Depot from my rewards and havent paid any interest on any debtChat Icon

Posted 6/28/07 1:36 PM
 

BlueDiamonds
mommy to 3 boys

Member since 2/07

3885 total posts

Name:
proud mommy

Re: Credit Card debt question

Posted by Blu-ize

amex for everything but I have consolidated before using a chase card.



same here. Chase gave me 0% for something like 12-18 months and no balance transfer fees. now i use my blue cash AmEx for everything and i am up to about $600 back for the year, and still going! AmEx does charge interst so that one I pay off in full each month.

Posted 6/28/07 2:31 PM
 

ali120206
2 Boys

Member since 7/06

17790 total posts

Name:

Re: Credit Card debt question

I currently don't have one at 0% but, the best ones I've had in the past have been through Chase, 0% for a certain period of time on purchases and balance transfers(usually 12-15 months) and free balance transfers at any time.

Posted 6/28/07 3:09 PM
 

bikramaddict
mommy-to-be

Member since 8/06

4376 total posts

Name:

Re: Credit Card debt question

i switched to chase. 14 months @ zero APR and then a fixed APR of 8.99%/

Posted 6/28/07 3:30 PM
 
 

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