Credit Card Offer

[saintrick]

Just received a credit card offer in the mail from the Teamsters.

Only 18.15 %

Way to look out for your membership Teamsters.

 

[over9five]

That's embarrassing.

 

[IVE GOTTA PACKAGE 4U]

I had that card years ago. I cancelled after they changed what they offered. They promised American customer service, that quickly changed.

 

[Indecisi0n]

But does the card have a Teamster horse on it?

 

[IVE GOTTA PACKAGE 4U]

But does the card have a Teamster horse on it?

It's a scam.

 

[over9five]

But does the card have a Teamster horse on it?

Haha, I bet it does!

 

[saintrick]

 

[BigUnionGuy]

View attachment 183342

Anyone know what the horses names are ?

 

[MC0493]

Pretty sure the names are Thunder and Lightning

 

[BigUnionGuy]

Pretty sure the names are Thunder and Lightning

And we have a winner.

 

[zubenelgenubi]

These were the only letters I got from the union for about 5 years, which is why it took me so long to get involved.

 

[zubenelgenubi]

Just received a credit card offer in the mail from the Teamsters.

Only 18.15 %

Way to look out for your membership Teamsters.

You know us surly, lazy teamsters, we're a bad credit risk.

 

[DriveInDriveOut]

Just received a credit card offer in the mail from the Teamsters.

Only 18.15 %

Way to look out for your membership Teamsters.

Uh, isn't 18.5% in line with most new credit cards right now?

Now, not offering any cash back or sign up bonus is pretty sad. If you're not getting at least 2% back you're throwing money away.

 

[ManInBrown]

If you have really solid credit there’s about 3 cards everyone should have. Citi double cash, discover it, or chase sapphire reserve. The citi double cash is outstanding, as long as you pay your full balance statement every month. I shake my head every time I see someone paying with cash or a debit card. If you have bad credit it’s understandable. These cards pay you, to use them. I get about $1000 a year back from citi double cash.

 

[IVE GOTTA PACKAGE 4U]

If you have really solid credit there’s about 3 cards everyone should have. Citi double cash, discover it, or chase sapphire reserve. The citi double cash is outstanding, as long as you pay your full balance statement every month. I shake my head every time I see someone paying with cash or a debit card. These cards pay you, to use them.

Even with good credit, the interest rate they charge is ridiculous. I do the same thing, I have a few different cards that get me some nice cash back rewards and I use them like a debit card. Getting back some of that money I gave them when I was younger.

 

[saintrick]

Uh, isn't 18.5% in line with most new credit cards right now?

Now, not offering any cash back or sign up bonus is pretty sad. If you're not getting at least 2% back you're throwing money away.

That's sad if 18.5 is average.
We get offers all the time for 6-12 which I thought was high.

It does have a 0% introductory for a year with 3% fee. Good if you use it right.

 

[DriveInDriveOut]

That's sad if 18.5 is average.
We get offers all the time for 6-12 which I thought was high.

It does have a 0% introductory for a year with 3% fee. Good if you use it right.

Honestly, I've got about a dozen cards between me and my wife, and I have no clue what the interest rate is on any of them.

Every time I open an offer I see something between 16-22% in big bold font. Must be some sort of law that the interest rate has to be bigger on the legalese sheet.

 

[DriveInDriveOut]

If you have really solid credit there’s about 3 cards everyone should have. Citi double cash, discover it, or chase sapphire reserve. The citi double cash is outstanding, as long as you pay your full balance statement every month. I shake my head every time I see someone paying with cash or a debit card. If you have bad credit it’s understandable. These cards pay you, to use them. I get about $1000 a year back from citi double cash.

American Express gives 6% on groceries, PenFed gives 5% on gas, Barclay 4% on dining.... all year round. With Discover and Chase's 5% quarterly categories and citi 2% on everything else.... I clean up in cash back.

 

[rod]

I don't have a clue what our VISA or MasterCard charges. I've never paid ANY interest. They are paid off automatically every month. We use them for the airline miles and cash back features.

 

[UpstateNYUPSer(Ret)]

My Capital One—-the one that the black guy who is in every movie hawks—- gives me 1.5% back on everything. I also have no idea what the APR is as I pay it off every month.