What credit cards you guys - DiscussWorldIssues - Socio-Economic Religion and Political Uncensored Debate

**mymnarorump** · 10-10-2006, 02:28 PM

got ?

and tell me what the benifiets you get from them ?

I used to have a credit card but I sacked it but im looking to get another one just want some figures off you guys because some online CC search engines left me a bit wanting!

uk'ers only

**astonmartinrx371** · 10-10-2006, 02:44 PM

I haven't visited this forum for awhile now..

anyway, i have got 3 credit cards in my wallet - Discover, Master, and American Express.

Each card has a upward spending limit of 10k

**mymnarorump** · 10-10-2006, 02:46 PM

I haven't visited this forum for awhile now..

anyway, i have got 3 credit cards in my wallet - Discover, Master, and American Express.

Each card has upward spending limit of 10k

well thats silly I only want to know whats a good card not howmuch financial power you got !

id only want a 5 grand limit anyway as a buffer because I can usually afford things I want but sometimes you see somthing mid way through the month and you dont quite have enough ect.

**mikeyyuiok** · 10-10-2006, 02:48 PM

I've only got Visa, no special benefits really.

**astonmartinrx371** · 10-10-2006, 02:49 PM

hmm.. actually its kinda hard to say

But I would avoid Discover at all cost. The reason is there are not many places that accepts Discover.

Master and American Express is pretty good. You can get around 5 or 8% (can't remember) cashback on gas. And 5% on the groceries. You should give them a call for further details.

**Cnbaapuy** · 10-10-2006, 04:30 PM

First thing you need to ask yourself is are you planning on keeping any balance on the card from month to month, or will you always pay it off each month in full. Your answer to this question will affect which card could be suitable for you. If you are planning on leaving a balance on there, then you should go for the card with the lowest rates/charges. If you are planning on paying the card off in full each month, then the rate is less important, and you should focus on what additional benefits each company offers.

Personally I NEVER leave outstanding balance on a CC from one month to the next, as even the lowest rates are still a total killer.

If all you want a card for is to be able to pay by VISA or Mastercard (e.g so you can shop online) - then why not just get a VISA debit card from your bank?

**Maymayfor** · 10-10-2006, 09:35 PM

I haven't visited this forum for awhile now..

anyway, i have got 3 credit cards in my wallet - Discover, Master, and American Express.

Each card has a upward spending limit of 10k

Cool, I'm from Nigeria and i'm a poor, oppressed child who's never seen a credit card before.

Could you post images of both the front and rear of all of your cards?

Thanks,

Mr. E Theef

**NutChusty** · 10-10-2006, 09:50 PM

Try this site, it will determine what's best for you. Whether your using it for balance transfers, purchasing etc. www.moneysupermarket.com/

**Sleedyhex** · 10-10-2006, 10:06 PM

got visa .. just recieved a mc but never used it yet .. i guess i just yes to everything once they called me on the phone so i got their card too ... anyways .. i dont know the benefits of what i have or the mc they sent me .. i actually should see what the benefits are

**allaboutauto.us** · 10-10-2006, 10:11 PM

I'm in the Netherlands.

...meaning as much as: I don't have one.

**Poll Pitt** · 10-10-2006, 10:17 PM

Visa debit card. I only spend the money I actually have.

**Cnbaapuy** · 10-10-2006, 10:25 PM

I'm in the Netherlands.

...meaning as much as: I don't have one.

I'm in NL, and I have a mastercard from the ABN. It is however account linked (as most credit cards here are) - which means that at the end of the month everything you have spent on your card comes straight out of your bank account that the card is linked to.

Credit cards are hard to get here - much harder than in the UK, and I think thats a good thing.

**Agitoligflise** · 10-10-2006, 10:33 PM

Visa debit card. I only spend the money I actually have.

Yep, same here. [thumbup]

**Galvanoidum** · 10-10-2006, 10:37 PM

Yep, same here. [thumbup]

ditto i currently have no need for a credit card, and don't plan on getting one any time soon

**Serttyfd** · 10-10-2006, 10:37 PM

Hehee i have a green card [yes]

**OnerePeepsy** · 10-10-2006, 11:13 PM

Cool, I'm from Nigeria and i'm a poor, oppressed child who's never seen a credit card before.

Could you post images of both the front and rear of all of your cards?

Thanks,

Mr. E Theef

LMAO!!

**Koayrbzh** · 10-11-2006, 12:25 AM

none

**bashansasasasa** · 10-11-2006, 12:32 AM

I prefer the security of my credit card vs a debit card. If someone got ahold of it and started making fraudulent charges, i can contest them and not have to pay for them. Whereas with a debit card, that money comes straight out of my account and I have to wait for the bank to figure out what's going on before i can have my money back, meanwhile I'm broke. That would be the advantage of a credit card.

**SonicPs** · 10-11-2006, 12:35 AM

Visa debit card. I only spend the money I actually have.

Same here.

I have a Barclays Visa Delta, seems like a good deal to me, get Visa protection for online purchases and of course being Visa you can use it pretty much anywhere in the world. The only downside (as noted above by cheaterzx22) is that if something does happen, you'll be out of x amount of cash till its sorted.

**shenacatro** · 10-11-2006, 12:38 AM

I got a Mastercard with only £500 limit, no surprise since I'm a fresher at Uni.

I'm already £300 into it already thanks to the bank not sending my debit card first meaning I had to use my credit card to pay for stuff.

I've pretty much paid it off now anyway [thumbup]

10-10-2006, 02:28 PM	#1
mymnarorump Join Date Oct 2005 Posts 653 Senior Member	What credit cards you guys got ? and tell me what the benifiets you get from them ? I used to have a credit card but I sacked it but im looking to get another one just want some figures off you guys because some online CC search engines left me a bit wanting! uk'ers only Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 02:44 PM	#2
astonmartinrx371 Join Date Oct 2005 Posts 628 Senior Member	I haven't visited this forum for awhile now.. anyway, i have got 3 credit cards in my wallet - Discover, Master, and American Express. Each card has a upward spending limit of 10k Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 02:46 PM	#3
mymnarorump Join Date Oct 2005 Posts 653 Senior Member	I haven't visited this forum for awhile now.. anyway, i have got 3 credit cards in my wallet - Discover, Master, and American Express. Each card has upward spending limit of 10k well thats silly I only want to know whats a good card not howmuch financial power you got ! id only want a 5 grand limit anyway as a buffer because I can usually afford things I want but sometimes you see somthing mid way through the month and you dont quite have enough ect. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 02:48 PM	#4
mikeyyuiok Join Date Oct 2005 Posts 502 Senior Member	I've only got Visa, no special benefits really. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 02:49 PM	#5
astonmartinrx371 Join Date Oct 2005 Posts 628 Senior Member	hmm.. actually its kinda hard to say But I would avoid Discover at all cost. The reason is there are not many places that accepts Discover. Master and American Express is pretty good. You can get around 5 or 8% (can't remember) cashback on gas. And 5% on the groceries. You should give them a call for further details. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 04:30 PM	#6
Cnbaapuy Join Date Oct 2005 Posts 488 Senior Member	First thing you need to ask yourself is are you planning on keeping any balance on the card from month to month, or will you always pay it off each month in full. Your answer to this question will affect which card could be suitable for you. If you are planning on leaving a balance on there, then you should go for the card with the lowest rates/charges. If you are planning on paying the card off in full each month, then the rate is less important, and you should focus on what additional benefits each company offers. Personally I NEVER leave outstanding balance on a CC from one month to the next, as even the lowest rates are still a total killer. If all you want a card for is to be able to pay by VISA or Mastercard (e.g so you can shop online) - then why not just get a VISA debit card from your bank? Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 09:35 PM	#7
Maymayfor Join Date Oct 2005 Posts 419 Senior Member	I haven't visited this forum for awhile now.. anyway, i have got 3 credit cards in my wallet - Discover, Master, and American Express. Each card has a upward spending limit of 10k Cool, I'm from Nigeria and i'm a poor, oppressed child who's never seen a credit card before. Could you post images of both the front and rear of all of your cards? Thanks, Mr. E Theef Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 09:50 PM	#8
NutChusty Join Date Oct 2005 Posts 565 Senior Member	Try this site, it will determine what's best for you. Whether your using it for balance transfers, purchasing etc. www.moneysupermarket.com/ Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 10:06 PM	#9
Sleedyhex Join Date Oct 2005 Posts 396 Senior Member	got visa .. just recieved a mc but never used it yet .. i guess i just yes to everything once they called me on the phone so i got their card too ... anyways .. i dont know the benefits of what i have or the mc they sent me .. i actually should see what the benefits are Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 10:11 PM	#10
allaboutauto.us Join Date Oct 2005 Posts 454 Senior Member	I'm in the Netherlands. ...meaning as much as: I don't have one. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 10:17 PM	#11
Poll Pitt Join Date Oct 2005 Posts 505 Senior Member	Visa debit card. I only spend the money I actually have. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 10:25 PM	#12
Cnbaapuy Join Date Oct 2005 Posts 488 Senior Member	I'm in the Netherlands. ...meaning as much as: I don't have one. I'm in NL, and I have a mastercard from the ABN. It is however account linked (as most credit cards here are) - which means that at the end of the month everything you have spent on your card comes straight out of your bank account that the card is linked to. Credit cards are hard to get here - much harder than in the UK, and I think thats a good thing. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 10:33 PM	#13
Agitoligflise Join Date Oct 2005 Posts 514 Senior Member	Visa debit card. I only spend the money I actually have. Yep, same here. [thumbup] Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-10-2006, 10:37 PM	#14
Galvanoidum Join Date Oct 2005 Posts 485 Senior Member	Yep, same here. [thumbup] ditto i currently have no need for a credit card, and don't plan on getting one any time soon Share Share this post on Digg Del.icio.us Technorati Twitter
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10-10-2006, 10:37 PM	#15
Serttyfd Join Date Oct 2005 Posts 422 Senior Member	Hehee i have a green card [yes] Share Share this post on Digg Del.icio.us Technorati Twitter
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10-10-2006, 11:13 PM	#16
OnerePeepsy Join Date Oct 2005 Posts 474 Senior Member	Cool, I'm from Nigeria and i'm a poor, oppressed child who's never seen a credit card before. Could you post images of both the front and rear of all of your cards? Thanks, Mr. E Theef LMAO!! Share Share this post on Digg Del.icio.us Technorati Twitter
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10-11-2006, 12:25 AM	#17
Koayrbzh Join Date Oct 2005 Posts 440 Senior Member	none Share Share this post on Digg Del.icio.us Technorati Twitter
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10-11-2006, 12:32 AM	#18
bashansasasasa Join Date Oct 2005 Posts 702 Senior Member	I prefer the security of my credit card vs a debit card. If someone got ahold of it and started making fraudulent charges, i can contest them and not have to pay for them. Whereas with a debit card, that money comes straight out of my account and I have to wait for the bank to figure out what's going on before i can have my money back, meanwhile I'm broke. That would be the advantage of a credit card. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-11-2006, 12:35 AM	#19
SonicPs Join Date Oct 2005 Posts 577 Senior Member	Visa debit card. I only spend the money I actually have. Same here. I have a Barclays Visa Delta, seems like a good deal to me, get Visa protection for online purchases and of course being Visa you can use it pretty much anywhere in the world. The only downside (as noted above by cheaterzx22) is that if something does happen, you'll be out of x amount of cash till its sorted. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

10-11-2006, 12:38 AM	#20
shenacatro Join Date Oct 2005 Posts 474 Senior Member	I got a Mastercard with only £500 limit, no surprise since I'm a fresher at Uni. I'm already £300 into it already thanks to the bank not sending my debit card first meaning I had to use my credit card to pay for stuff. I've pretty much paid it off now anyway [thumbup] Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote