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Dutchess_III's avatar

Can you give me a referral for a good credit card?

Asked by Dutchess_III (44146points) December 5th, 2017

Amazon f****d up my credit. It’s all been corrected, but it’s still showing on my credit report and probably will show for another month. As a result they lowered my credit limit from $2,700 to$100, and they can’t change it because they’re relying on the computer for their decision.

My credit score is a little lower than it was before this fiasco, but it’s still at 695.

It’s Christmas time, and I need a credit card! When I went to CreditKarma to check everything out, they have a plethora of cards for me to choose from. I started to apply for one, then decided to turn to you guys for advice.

Any suggestions? Should I go through my bank instead?

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11 Answers

SQUEEKY2's avatar

Personally I would consult your bank.
Should add, if you just need it for online purchases you can always go the prepaid credit card rout, like a prepaid visa or master charge.

Dutchess_III's avatar

I just sent her an email.

ARE_you_kidding_me's avatar

There are no good credit cards for the record.

Dutchess_III's avatar

I know. That’s why I don’t have any. I have credit all over the place, but I never use the cards. I had a $2,700 line at Amazon. I think I spent about $900 of it last year at Christmas. I have $3,000 at Walmart and Best Buy. All with 0 balances.
I need a card for Christmas only.

Tropical_Willie's avatar

Go with a Bank card (Visa or Master Card). If it is the bank you have mortgage with all the better.

Dutchess_III's avatar

I’ll let you know when I hear back.
I can’t believe Amazon did this to me. I mean, they’re correcting it, but I need that credit NOW.

NomoreY_A's avatar

I second the pre paid suggestions. I rarely use my regular Master Card.

Tropical_Willie's avatar

@NomoreY_A She doesn’t have the upfront cash which is “Pre-paid”.

NomoreY_A's avatar

She can get s bank issued debit card in that case. Much the same thing.

Dutchess_III's avatar

@NomoreY_A I have 3 bank issued debit cards. They work just like a check. They draw the funds directly from the account. I need a credit card that I can buy now / pay later because we just don’t have the money we need to buy presents for 22 people. (Everyone is getting Scentsys or fuzzy slippers this year!)

Zaku's avatar

I’d try a not-for-profit credit union.

The for-profit-bank credit card I disliked least was Capital One.

The ones I’ve disliked most were Chase “where the right relationship [for Chase] is everything”.

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