How Do You Find A Good Credit Card?
So Citibank sent me a letter a couple of months back informing me that...though I hadn't missed payments nor any similar thing...the interest rate on my credit card would be going up at the end of July. I, unsurprisingly, informed them that they were cordially invited to go screw themselves.
So now I have to find a new credit card. I almost always pay off the balance at the end of the month, but now and then don't, ergo I don't want some preposterous, predatory, parasitic interest rate waiting in the wings to suck away my hard-earned $$.
Anybody know how one goes about finding a good card? There are lots of websites that allege to help you out, but they all look to me as if they're run by the companies themselves or other shady agents.
Any advice would be appreciated.
So Citibank sent me a letter a couple of months back informing me that...though I hadn't missed payments nor any similar thing...the interest rate on my credit card would be going up at the end of July. I, unsurprisingly, informed them that they were cordially invited to go screw themselves.
So now I have to find a new credit card. I almost always pay off the balance at the end of the month, but now and then don't, ergo I don't want some preposterous, predatory, parasitic interest rate waiting in the wings to suck away my hard-earned $$.
Anybody know how one goes about finding a good card? There are lots of websites that allege to help you out, but they all look to me as if they're run by the companies themselves or other shady agents.
Any advice would be appreciated.
posted by Winston Smith at
10:19 AM
4 Comments:
An aol article (http://money.aol.com/top5/credit/low-rate-credit-cards) likes: Simmons First Visa Platinum (http://www.simmonsfirst.com/personal_banking/credit_cards.aspx)
It charges 7.25%, and has no fee.
You might try smaller, local banks, or credit union(s).
best,
Jim
Thanks Jim.
I'd second the credit union route though you should be careful...often they are not run by the credit union but by a third party for the credit union. However, they tend to keep to lower interest rates and fewer tricks.
I have a credit card through CREDO, formerly Working Assets, who put the proceeds into their non-profit work.
Of course, the card itself is managed by Bank of America, which makes me less than happy, so I should probably ditch it and get one from a local bank at some point. Sigh.
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