Question about a CLI on a Lowes HI Store Card

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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PlyrStar93
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Location: Chicago

Postby PlyrStar93 » Wed Feb 04, 2015 4:11 pm

jcarte29 wrote:Is the Freedom offering any B/T or 0 offers?

Yes, 0% purchase & balance transfer for 15 months. However, you cannot transfer any balance from accounts issued by Chase and its affiliates.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.


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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Feb 04, 2015 4:28 pm

jcarte29 wrote:Im keeping the CSP, I just need to pay it down a bit (its about a 2200 balance right now). To prove how OCD I am now with CCs, it bothers me to death it's even close to 50 percent on that card. lol. (none of my other cards are even close to 25 or 30 pct, let alone 50)


It should bother you. CSP is a good card for moderate-to-heavy travelers/diners/Freedom users who don't mind the complications of point transfers. It's not a good card for anyone who doesn't pay in full. It's 15.99% interest right away - there's no 0% intro period.

To be clear, it does have a reasonable 21 day grace period, as all better-than-horrible cards do.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

jcarte29
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Location: Charlotte, NC

Postby jcarte29 » Wed Feb 04, 2015 4:28 pm

PlyrStar93 wrote:...However, you cannot transfer any balance from accounts issued by Chase and its affiliates.


I was afraid of that part...I'll keep the freedom in mind if any of these BTs or balances with 0 interest I currently have get dangerously close to maturity date and I need to act quick (I don't anticipate that scenario though as I have been paying each of them off quick.)
Portfolio:
CITI Diamond Preferred $10,500 [06-16]
AMEX Platinum (Charge) [11-16]
AMEX EDay $12,000 [11-14]
Lowes Store $15,000 [4-14]
CSP VISA $6,000 [7-14]
GM MC $9,000 [9-14]
AAdvantage Red MC $10,950 [10-14]
Discover IT $4,500 [03-15]
Chase Marriott VISA $5,000 [04-15]
Cap One Quick $4,600[4-10]



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