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Started By
Message
Starter Credit
Posted on 11/14/13 at 7:35 am
Posted on 11/14/13 at 7:35 am
Received my first card. Small credit limit, and I'm OK with that as I have barely any existing credit.
I've got a card with no annual fee, no APR for 12 mos, an APR of 13% after 12 mos, and I get 1.5 travel points per dollar.
Everything seem competitive before I activate this little bugger?
I've got a card with no annual fee, no APR for 12 mos, an APR of 13% after 12 mos, and I get 1.5 travel points per dollar.
Everything seem competitive before I activate this little bugger?
4
Posted on 11/14/13 at 8:09 am to Cmlsu5618
For a first card I would have no complaints with what you mentioned. My first card had a $29 annual fee, $200 limit and I had to put a $50 deposit down just to get the $200 limit.
Posted on 11/14/13 at 8:39 am to Cmlsu5618
quote:
Everything seem competitive before I activate this little bugger?
Take that deal and run with it!
Posted on 11/14/13 at 9:03 am to mglsu21
Good to hear. I am now a true American with outstanding debt. 
To piggyback my own thread, which is totally legal, what is the typical conversion ratio between travel points and dollars?
For example: What is your rough estimate of how many points you need for a $500 plane ticket?
To piggyback my own thread, which is totally legal, what is the typical conversion ratio between travel points and dollars?
For example: What is your rough estimate of how many points you need for a $500 plane ticket?
Posted on 11/14/13 at 9:32 am to Cmlsu5618
quote:
For example: What is your rough estimate of how many points you need for a $500 plane ticket?
I am going to say anywhere between 10,000-15,000 points.
Posted on 11/14/13 at 10:24 am to Cmlsu5618
Points are usually, at a minimum, worth a penny.
I don't know what card you have, so that may not be the case.
I don't know what card you have, so that may not be the case.
This post was edited on 11/14/13 at 10:25 am
Posted on 11/14/13 at 10:51 am to Cmlsu5618
Sounds like a great starter card but like Teddy pointed out... all points are not equal 
Posted on 11/14/13 at 12:11 pm to Cmlsu5618
The APR on my first Credit Card was around 26%, but it doesn't matter how high the APR is if you pay the statement off in full amount each month like I did and still do.
This post was edited on 11/14/13 at 12:21 pm
Posted on 11/14/13 at 1:00 pm to Turkey_Creek_Tiger
Yeah, and the limit isn't anything I shouldn't be able to cover. Funny how that works out isn't it??
It's a Bank of America card, so not sure how the point system compares to other carriers...
It's a Bank of America card, so not sure how the point system compares to other carriers...
Posted on 11/14/13 at 1:11 pm to Cmlsu5618
quote:
Bank Of America
quote:
what is the typical conversion ratio between travel points and dollars?
1 penny per point
quote:
What is your rough estimate of how many points you need for a $500 plane ticket?
50,000 points
Posted on 11/14/13 at 1:26 pm to LSU6262
quote:
LSU6262
6262 is good at math.
Posted on 11/14/13 at 1:53 pm to Cmlsu5618
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