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Sly_RJ

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#1

My lovely credit card...

09-10-2003, 12:35 PM

When I was a senior in high school I wanted another credit card besides my bank issued card. So I find this card online, Next Card, looks pretty decent so I joined. Started out at $1k, after a couple months they raised it to $1.4k. Sweet deal.

About 2 years ago, Next Card goes out of business and sells all their accounts to another company called My Merrick. My new card gets issued, doesn't really phase me because I never really used the card.

Couple months ago I needed to take some last minute trips to see family, friends, etc. So I figured what the hell, I'll just charge everything. Charged. Probably about $800, not that big of a deal. So right now I'm sitting here looking through my statements and about fell over laughing.

Balance for August: $733
Bill paid in August: $30
New balance: $730

I had $27 in standard fees! No late fees, nothing! They're charging me $10 a month just to have the damn thing, and then 29% annually!

Time to dump My Merrick. I want to pay it off over the next 3-4 months, should I transfer my balance to a new card with a lower APR? Or should I stick with this card and work it off?

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EscortBiz

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#2

09-10-2003, 12:37 PM

pay it off at once

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Amputate Your Head

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#3

09-10-2003, 12:37 PM

dump that shit man... if your credit is good, there's no reason on earth to pay fees like that.

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angeleyes

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#4

09-10-2003, 01:27 PM

BANK ONE credit cards rock.

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Sly_RJ

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#5

09-10-2003, 01:29 PM

Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates?

I already have Discover, Wells Fargo, and another bank issued business card.

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deniska

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#6

09-10-2003, 01:30 PM

Originally posted by EscortBiz
pay it off at once

What he sad.. No point to pay fees for such a small balance
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aflex

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#7

09-10-2003, 01:34 PM

i'm in the same boat as Sly RJ..

bull shit fees

self made mothafucka.

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Chris

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#8

09-10-2003, 01:35 PM

get visa

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ytcracker

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#9

09-10-2003, 01:35 PM

i have a providian card they give me no issues.

i seriously recommend like everyone else here just pay that shit off ASAP. carrying a balance sucks.

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SleazyDream

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#10

09-10-2003, 01:36 PM

credit cards charge interest?

didn't know that - i always pay mine off at the end of the month

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sweetcuties

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#11

09-10-2003, 01:36 PM

Why do you have a credit card? Get a debit card and don't buy shit unless you pay cash
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Ross

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#12

09-10-2003, 01:38 PM

Mastercard

Interest free for 6 months after getting it!
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#13

09-10-2003, 01:44 PM

I highly recommend MBNA .. somebody stole my SSN from me (employer sent me a direct deposit stub, and I had moved .. somebody in my complex had the same name as me .. so the mail guy took the liberty of giving her my info) Anyways .. She applied to MBNA and Capital One. Capital One issued this girl a credit card, where MBNA called me and said that somebody was trying to apply but the birthday and Mother's maiden name didnt match up. So .. if it wasn't for MBNA, I would've never found out.

On that note, I will never get a card from Capital One, I don't trust them, eventhough they took care of the problem quickly, I'm still not interested.

~Butrflied~
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lexr

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#14

09-10-2003, 06:42 PM

Originally posted by sweetcuties
Why do you have a credit card? Get a debit card and don't buy shit unless you pay cash

Debit cards won't build a credit history.

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MuleScrote

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#15

09-10-2003, 06:44 PM

Originally posted by Sly_RJ
Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates?

I already have Discover, Wells Fargo, and another bank issued business card.

Capital One has treated me very well

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Sly_RJ

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#16

09-10-2003, 06:45 PM

Originally posted by lexr

Debit cards won't build a credit history.

Exactly. I have good credit for a reason.

Plus, why not have a credit card? If you use them properly, they're like loans. You can easily use them to build your business. Ever hear of a credit line? This time I wasn't paying attention, it's not that big of a deal. I still made my payments, the credit bureaus love that...

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#17

09-10-2003, 06:47 PM

Originally posted by angeleyes
BANK ONE credit cards rock.

word. i work for a promotion company part time getting them to sign up for bank one cards. the one i promote is 0% first year interest, no annual fee, and you get 1% worth of gift cert's for the $ you spend. you cant beat it.

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OFFBEAT

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#18

09-10-2003, 07:24 PM

IM WAITING FOR MY BLACK AMERICAN EXPRESS INVITATION TO ARRIVE IN THE MAIL ANY DAY NOW..
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grogan

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#19

09-10-2003, 07:29 PM

Originally posted by Sly_RJ
When I was a senior in high school I wanted another credit card besides my bank issued card. So I find this card online, Next Card, looks pretty decent so I joined. Started out at $1k, after a couple months they raised it to $1.4k. Sweet deal.

About 2 years ago, Next Card goes out of business and sells all their accounts to another company called My Merrick. My new card gets issued, doesn't really phase me because I never really used the card.

Couple months ago I needed to take some last minute trips to see family, friends, etc. So I figured what the hell, I'll just charge everything. Charged. Probably about $800, not that big of a deal. So right now I'm sitting here looking through my statements and about fell over laughing.

Balance for August: $733
Bill paid in August: $30
New balance: $730

I had $27 in standard fees! No late fees, nothing! They're charging me $10 a month just to have the damn thing, and then 29% annually!

Time to dump My Merrick. I want to pay it off over the next 3-4 months, should I transfer my balance to a new card with a lower APR? Or should I stick with this card and work it off?

over the next few months?

shouldn't you stop posting and work? (11,000ish)
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Sly_RJ

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#20

09-10-2003, 07:34 PM

Originally posted by grogan

over the next few months?

shouldn't you stop posting and work? (11,000ish)

Nah, I like living in my parents basement. Free food, can't beat it!

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NemesisEnforcer

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#21

09-10-2003, 07:49 PM

http://www.bankrate.com/brm/howdoi/howdoicc.asp

Originally posted by Sly_RJ
Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates?

I already have Discover, Wells Fargo, and another bank issued business card.

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Rictor

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#22

09-10-2003, 08:29 PM

29%!?!? Geezus.

And I was pissed when my "fixed" rates went up 1% this month on some cards I don't even use.

I have been getting some better fixed interest rates lately, like 0% for a year and then 8.9% fixed after that, which isn't bad.

They still make a killing at that rate though.
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Rictor

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#23

09-10-2003, 08:32 PM

I charged $30k on my VISA last year and paid off $30k. They hate me for paying it off, I'm sure. Every time I sent them a payment, they'd send me a letter asking why I was leaving them for another credit card company (assuming I was transferring balances, I guess). I'm done messing with credit now except in an emergency though. It doesn't make any sense to get in debt like that.
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