Switching from Blue to a Charge Card?

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Joined: Sat Oct 15, 2011 6:50 pm
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Switching from Blue to a Charge Card?

Postby bpf247 » Sat Oct 15, 2011 6:57 pm

Hey all-

Great forum. Just started lurking and I figured I'd post my situation for advice.

In college, I opened a Blue for Students. I usually paid it in full but sometimes kept a little bit of a balance. I never was late. In law school, I got a little sloppy and built up a pretty big balance (topped at about $4 thousand on a $5 thousand limit). I've been out of school and working for a few years, and have paid off my full balance. I will now pay the balance in full each month.

It really was sloppy to build up that kind of debt. I don't want to do it again. That's why I'm thinking about switching to a charge card. For (reasonably full disclosure), I make about $120,000/year, have significant student loans (which are always paid), and rent. I checked my credit a few weeks ago and it was around 740.

Is a charge card for me? Which? Any other advice? What about my Blue for Student points, which I've never used?


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Postby shadowman024 » Sat Oct 15, 2011 10:17 pm

you will still get in trouble if you don't be careful, hell you could get in more trouble because you can't keep a balance. If you just want a card to pay off every month with with a 25 annual fee get a zync card

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Postby i_t_man » Wed Oct 19, 2011 2:49 pm

I like the charge card versus the credit card because it really makes me think twice before I use it. I know that whatever I'm buying has to be paid off in a couple weeks and I plan accordingly. It makes me more disciplined. Just my 2 cents.

Money card
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Postby Money card » Sat Oct 22, 2011 1:03 am

what you 2 are saying is why I think it is harder to get a premium card.

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Postby 4Runner » Wed Oct 26, 2011 4:16 pm

There is no difference getting a green, gold or platinum card. Is easier to be approved for a charge card than a credit card.

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