Go to http://www.creditcards.com/
Assignment (16 points, see Discussion rubric, Class Discussion/Participation)
1) Review the many credit card offers. Select a card that would best suit your needs, either now or within the next 2 years.
2) Post a response to the following:
Why did you select this card? List and explain at least three reasons.
What are benefits? What are the risks to avoid? Mention specific fees and rates and what this means.
3) Respond to one other classmate's post. Investigate their selected card to inform you comments.
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9 comments:
The credit card I think I would aquire is a cash back credit card. This card gives you cash back on the purchaces you make, so the credit card company is giving you money. With the Capital One No Hassle Cash Rewards card you get 25% annual bonus for the cash you earn throughout the year. You also get 1% back on the purchaces you make in one day. The downfalls to this may be that because of the cash rewards you might use the card to much and make purchaces you cant afford. The other bad thing about the card is you need exellent credit to get it, so they may turn you down
Eric Johnson
The credit card i think i would aquire is a rewards credit card. You get rewards for money you would be spending anyways. The Citi Diamond Prefered Rewards Card gives you 5 points for every 1 dollar you spend at supermarkets,drugstores, and gas stations. You get one point for every dollar you spend somewhere else. There is no annual fee. You only need good credit to get this card.
Citi® Bronze® AAdvantage® MasterCard® for College Students because i like to travel and the card offers that everytime that i spend $2 i can get a traveling mile.
If i were to apply for a credit card today at 1:42 on Wednesday, October 24, i would get a capital one no hassle miles card. i would pick this card bcause for every dollar you spend and pay back you get 1.25 flyer miles for yourself. i would also get this because pout of all thecommercials i see daily, capital one has the most. i lso like the rewards because if i was spending all that money, anything i can get in return would be good help.
~~Yours Truly, Matt Coynee ; )
I would choose Advanta Platinum with Rewards card and Bank of America RewardsTM American Express® Card because they both offer very low APR, which are lower than 10%. Also, you do not need to pay anual fees for them. Moreover, they require 0% on balance transfer. You earn reward points with the Platium card, which is a good offer. However, you need good credit to apply for these card.
If i were to choose one creditcard i would choose the capitalone no hasstle card because to need to have good credit to get it and thats when you knmow its good. also because w=every dollar you spend on it is 1.25 miles free so if you spend 1000 dollars then that easily 1000 miles free.
james linehan
i choose American Express as the best credit card chose because it has 0% APR on all purchases for up to 15 months.After that there is a low fixed rate of 4.99% APR on purchases for the life of the card.There is no annual fee and I get rewards with this card.I am also able to make balance tranfers if needed which is convient for me.I think American Express is a good chose for others looking for a credit card.It it alo accepted at most places, unlike discover.
• I would like to apply for Citi® mtvUTM Platinum Select® Visa® Card for College Students because it offers 0% APR* for 6 month on purchases, I can get 5 points for every dollar I spend at restaurants, bookstores, record stores, movie theaters and video rentals stores, also I can earn 1 point for every dollar I spend on all other purchases, 25 point for paying on time, 200-2000 Points twice a year for maintaining a good GPA, Redeem points for gift cards, MTV events, and airline tickets, there is no balance transfer fee and no Annual Fee. I only need to have good credit to apply for it, that’s all. So this is a good offer.
The credit card i would choose is the America Express because it has alot to offer. For example it has 0% APR on all purchases for up to 15 months.After that there is a low fixed of 5.99. There is no annual fee. However you need to have a good credit score. IT is really flexibule to day.
Catia Freire
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