"Simple Card No Rewards"

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Written by: tynece on 2008-05-11

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tynece's review: Callout Comment There is no annual fee to the card and the interest rate is variable. The customer service usually picks up right away. When I first got it they gave me 0% for a year. Now when I call there are never any bt offers. Maybe it's just my credit. They originally gave me a line of 10000.00 and increased it to 12000.00 after 2 days. Since then I have not gotten an increase.

7 Comments

Comment 1 by arod
Congrats User Icon on 2008-05-11

Remarks Well your credit line is good,

$12,000 credit line is great use it wisely,

Take care,

Alex
Comment 2 by hjm331
Nice Card! User Icon on 2008-05-11

Remarks Have you tried applying for a BofA credit card? They give high credit lines and nice rewards. The BofA Americard VISA currently gives 1.5 pts for every dollar spent, the best in the business. If you want, try it out and let us know what happens. Good Luck
Comment 3 by tynece
Re Nice Card And Congrats User Icon on 2008-05-11

Remarks You know what Hjm I have a Bofa account with a bt on it so I have not had a chance to use it for the rewards bc the lower apr is paid b4 the higher. I like to pay my purchases in full. I have the world points. I think I will use it after August for purchases. Thanks for the info. And Thanks Alex
Comment 4 by hjm331
RE: Tynece User Icon on 2008-05-11

Remarks My APR for purchases is around 15%. I will find out for sure when my first statement cuts. That is why I carry a balance only on that card.
Comment 5 by rockin35
Excellent Credit Line User Icon on 2008-05-11

Remarks Your credit line is excellent for the Card Issuer that you have. I 've rarely heard of a line that high with this bank. I haven't heard that much about the rewards for this card... But I can say, if its a little over a year, you may try waiting 16 months and try to upgrade to a different card. With your credit line, I would try upgrading. Rockin35!
Comment 6 by tynece
Upgrade User Icon on 2008-05-12

Remarks They said I can upgrade to the rewards card with them but my apr will increase by 2 percent. Maybe I should go for it since prime is lowere right now they have me at 9.99 and my balance is like 3000.00 on it. Maybe the rewards will offset the interest charges
Comment 7 by hjm331
RE: Tynece User Icon on 2008-05-12

Remarks They're raising the interest rate because it's a rewards card. They're not going to give you cashback/points out of their own pockets. They're going to charge you a higher interest rate to give you your points/cashback.
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