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« Last edited by DoreshEmes on April 11, 2019, 03:54:27 AM »

Author Topic: Questions and Help for BEGINNERS!  (Read 861467 times)

Offline Freddie

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Re: Low APR credit card
« Reply #5145 on: August 23, 2015, 07:10:47 PM »
I'm looking for a thread about a credit card with a low apr.  I'm in a tight spot for a couple of months, and I need to carry a balance.  Can anyone direct me in the right direction (i.e. either a previous post about low apr credit cards, or advice on the lowest ones).  I can get 6.9% from USAA with a 3% balance transfer.

This is not for everyone, but what I do when I need to carry a balance for a few months is to run up the equivalent amount in GCs (I assume you are talking about less than ten thousand dollars which can easily be MSd and cashed out) then pay off the original card.

The "interest" in that case are the MS fees. $12 for every thousand I need to float is fairly cheap, plus I get the miles. If using a card with a great currency like SPG, you're paying $12 in fees for $16-18 in points which you can even sell later if you wish.

Of course, some people will just run up crazy debt this way and end up paying interest anyways. Like I said, it's not for everyone.

Offline exasahi

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Low APR credit card
« Reply #5146 on: August 23, 2015, 07:12:35 PM »
Sorry, still kinda new. What's MS?

Offline TimT

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Re: Low APR credit card
« Reply #5147 on: August 23, 2015, 07:13:41 PM »
Sorry, still kinda new. What's MS?
Manufactured spend

Offline exasahi

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Re: Low APR credit card
« Reply #5148 on: August 23, 2015, 07:14:16 PM »
How do you cash out the gift cards?

Offline Freddie

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Re: Low APR credit card
« Reply #5149 on: August 23, 2015, 07:16:32 PM »
On second thought, maybe you should just get a Slate and do a balance transfer.

Offline David Smith

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Re: Low APR credit card
« Reply #5150 on: August 23, 2015, 07:59:27 PM »
This isn't really the right forum for this topic. Nobody (or almost nobody) here looks at the interest rates when they get a card. Try CreditBoards forum (also on Tapatalk), I think you'll do better there.  Best wishes.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Freddie

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Re: Low APR credit card
« Reply #5151 on: August 23, 2015, 08:06:47 PM »
This isn't really the right forum for this topic. Nobody (or almost nobody) here looks at the interest rates when they get a card. Try CreditBoards forum (also on Tapatalk), I think you'll do better there.  Best wishes.

I recommended the Slate card.

Offline David Smith

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Re: Low APR credit card
« Reply #5152 on: August 23, 2015, 08:07:47 PM »
I recommended the Slate card.
So did I, but this topic isn't really the main focus of ddf.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline TimT

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Re: Low APR credit card
« Reply #5153 on: August 23, 2015, 08:08:43 PM »
This isn't really the right forum for this topic. Nobody (or almost nobody) here looks at the interest rates when they get a card. Try CreditBoards forum (also on Tapatalk), I think you'll do better there.  Best wishes.
Everything is covered on DDF. :)
It's been brought up several times.

Offline Freddie

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Re: Low APR credit card
« Reply #5154 on: August 23, 2015, 08:09:31 PM »
So did I, but this topic isn't really the main focus of ddf.
Where are you getting this from? Is there a charter or a constitution somewhere?

Offline ChaimMoskowitz

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Re: Low APR credit card
« Reply #5155 on: August 23, 2015, 08:23:46 PM »
So did I, but this topic isn't really the main focus of ddf.
Neither was CB cards not to long ago. Now the smart members know there true value.
I just found a new supply of forks!

Offline Centro

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Re: Low APR credit card
« Reply #5156 on: August 23, 2015, 08:32:49 PM »
Neither was CB cards not to long ago. Now the smart members know there true value.
Wasn't an easy battle...

Offline ChaimMoskowitz

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Re: Low APR credit card
« Reply #5157 on: August 23, 2015, 08:41:11 PM »
Wasn't an easy battle...
I only look at how the battle ends.  :)
I just found a new supply of forks!

Offline CS1

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Re: Low APR credit card
« Reply #5158 on: August 23, 2015, 08:54:51 PM »
So did I, but this topic isn't really the main focus of ddf.

considering the 6,000+ directions of DDF, it would be interesting to list the top 10 "main focus" points of DDF. Even more fun would be to see how many off-topic tangents can come from that...
Amazon Prime Calif Gourmet Chocolate Chips http://bit.ly/FREEoneDayShipping3PKChocolateChips

Offline bambi

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Re: Questions and Help for BEGINNERS!
« Reply #5159 on: August 23, 2015, 10:02:13 PM »
i have the chase united explorer card for almost a year and im not interested in paying the AF. is there a card i can downgrade to? How shoul di go about this without loosing my 15,000 credit line?