Thinking ahead, which card should I get when I have better credit?

For just about anything you want to get off your chest about credit cards.
14 posts
xdunlapx
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Location: Ohio

Postby xdunlapx » Sun Sep 02, 2012 12:25 am

Thanks jlam572. I was wondering. I buy a lot of things online and I've noticed places where Amex is not accepted, so that's the reason I would probably never have an amex. But I'm glad others use them and like them. They just don't seem to be for me. I would much rather have a visa or master card, even discover isn't accepted everywhere. Though definitely they are in more places than Amex.
Capital One Secured Mastercard (9/2012) $226 limit


jlam572
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Location: Hawaii

Postby jlam572 » Sun Sep 02, 2012 3:14 am

Actually I dont have a problem. The only place that I go where my amex isnt taken is taco bell. I just figure...they dont take amex, they dont want my business...theres lots of competition out there that will take my amex and does want my business. I dont know about Ohio, but here in hawaii amex is accepted way more than discover...I rarely see a discover sticker on windows.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

xdunlapx
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Joined: Sat Aug 25, 2012 7:37 pm
Location: Ohio

Postby xdunlapx » Sun Sep 02, 2012 3:16 am

Wow, really? That's interesting. I know that my usual pizza place does not accept amex but I'm pretty sure they accept discover. I didn't know it was a local thing. I assumed it was just how it was all over the US. Interesting. :) Well I'll be moving to Nevada next year probably in teh earlier part of the year. So maybe it's different there, too. But for now since I have a low score I will stick to Visa and Mastercard since Amex is harder to get. :) Thanks for the info.
Capital One Secured Mastercard (9/2012) $226 limit

jeffysdad
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Postby jeffysdad » Sun Sep 02, 2012 5:47 am

Xdunlapx, I was referring to the debate over whether it's harder to get an Amex charge card or an Amex credit card. I was being facetious. That question was discussed at length in another thread, and I seem to remember that I found it to be rather lengthy and amusing at the time.

Your question is a good one. I would suggest getting a card offered by the bank where you have your checking/savings. This might be more convenient for you and easier to obtain.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.



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