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eligal
Noobie
Registered: 05/25/05
Posts: 7,021
Loc: California
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Amazon.com and Target credit cards?
#6011414 - 08/30/06 11:38 AM (17 years, 6 months ago) |
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I dont have a credit card and didnt plan on getting one, but the amazon one mentions a reward point system, which sounds cool cause I tend to shop alot on amazon. Anyone use this card?
And, same question, but for the Target credit card.
-------------------- \m/ Spanksta \m/ "do you have the freedom to do with your nervous system what you want?" "MolokoMilkPlus said: I'll respect you if you let me give you a blow job" "tactik said: respect the can."
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kake
The answer to1984 is 1776.
Registered: 05/06/99
Posts: 2,782
Loc: The 66th harmonic
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Re: Amazon.com and Target credit cards? [Re: eligal]
#6011558 - 08/30/06 12:15 PM (17 years, 6 months ago) |
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nope. i signed up for a citibank card in college and i love it. the interest rates are ridiculous but if u pay ur bills on time (the golden rule of credit cards being never use them for credit, only for convenience) its pretty sweet. i get 5% back on all gas & grocery store purchases, and 1% back on everything else. i earned a good $60 when i had to drive across the country
-------------------- The answer to 1984 is 1776.
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badchad
Mad Scientist
Registered: 03/02/05
Posts: 13,377
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Re: Amazon.com and Target credit cards? [Re: kake]
#6011661 - 08/30/06 12:58 PM (17 years, 6 months ago) |
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Read the fine print. See how much of a "reward" you actually get. Usually it's less than you'd imagine. For instance, I also have a 1% cash reward card. However, it's a graded reward and I don't hit 1% until; after I spend 3,000 for the year. In addition, 1% of 10,000 is only 100 bucks. Again, not a big reward.
As someone also also mentioned, BEWARE of the interest rates. My reward card interest rate is ridiculous (somewhere like 15%). Thus, your "reward" for an entire you can be eliminated by missing a single payment.
-------------------- ...the whole experience is (and is as) a profound piece of knowledge. It is an indellible experience; it is forever known. I have known myself in a way I doubt I would have ever occurred except as it did. Smith, P. Bull. Menninger Clinic (1959) 23:20-27; p. 27. ...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely. Osmond, H. Annals, NY Acad Science (1957) 66:418-434; p.436
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kake
The answer to1984 is 1776.
Registered: 05/06/99
Posts: 2,782
Loc: The 66th harmonic
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Re: Amazon.com and Target credit cards? [Re: badchad]
#6011975 - 08/30/06 02:34 PM (17 years, 6 months ago) |
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I'm insulted. Of course I read the fine print. I get 1% back on everything, period. 5% back on gas and groceries, period. It's simple as that.
-------------------- The answer to 1984 is 1776.
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eligal
Noobie
Registered: 05/25/05
Posts: 7,021
Loc: California
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Re: Amazon.com and Target credit cards? [Re: badchad]
#6012430 - 08/30/06 05:06 PM (17 years, 6 months ago) |
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yea I understand the interest rates, and I dont plan on ever paying late (cause I pay all my shit on time), Im just curious about whether the rewards are actually worth it.
Kake, that 5% back on gas and groceries sounds nice. Thats what Im talkin about, would the rewards for amazon or target be worth getting one? Or would it just be a waste of time? Im guessing some sort of reward would be better than none right? So, if not from Amazon or Target, where else?
-------------------- \m/ Spanksta \m/ "do you have the freedom to do with your nervous system what you want?" "MolokoMilkPlus said: I'll respect you if you let me give you a blow job" "tactik said: respect the can."
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kake
The answer to1984 is 1776.
Registered: 05/06/99
Posts: 2,782
Loc: The 66th harmonic
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Re: Amazon.com and Target credit cards? [Re: eligal]
#6014363 - 08/31/06 01:36 AM (17 years, 6 months ago) |
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i would get one that offers some kind of rewards, they all do nowadays, but some come with catches, others dont. airline miles are pretty sweet reward if you like to travel. just look around, and make sure you get a card with no fees. i recommend citicards.com tho. they might only start you out with $500 credit is the downfall. but after a year if you use it a lot and pay it on time, it will go up and keep going up afterwards. mine is up to like $2600 now - just remember its also bait to try to get you to use the credit and hammer you with interest.
-------------------- The answer to 1984 is 1776.
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eris
underground
Registered: 11/17/98
Posts: 48,024
Loc: North East, USA
Last seen: 6 months, 15 days
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Re: Amazon.com and Target credit cards? [Re: eligal]
#6014440 - 08/31/06 02:43 AM (17 years, 6 months ago) |
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never had a credit card in my life.. from what I hear, my credit is fucked up from owing the bank lots of money. LOL
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