YorkieTalk.com Forums - Yorkshire Terrier Community


Welcome to the YorkieTalk.com Forums Community - the community for Yorkshire Terriers.

You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. You will be able to chat with over 35,000 YorkieTalk members, read over 2,000,000 posted discussions, and view more than 15,000 Yorkie photos in the YorkieTalk Photo Gallery after you register. We would love to have you as a member!

Registration is fast, simple and absolutely free so please, join our community today!

If you have any problems with the registration process or your account login, please click here to contact us.

Go Back   YorkieTalk.com Forums - Yorkshire Terrier Community > All Else > Off Topic Discussions
Register Blogs FAQ Calendar JavaChat Mark Forums Read

Reply
 
LinkBack Thread Tools
Old 06-19-2006, 12:09 AM   #1
Mom to 6 Beautiful Furkids
 
MyTrixie143's Avatar
 
Join Date: Apr 2006
Location: Ohio
Posts: 5,409
Question Credit cards??

I know many of you have them. I have tryed my best to avoid getting a credit card, I do have a debit card though. Anyways, I am looking to get a credit card and don't know which one to get, there are soooo many. I want a credit card only for emergencies, mainly for my animals and one with no annual or monthly fees.

All of the emergency clinics require you to pay in full to get your pet help, they won't arrange payment plans or work with you, but they do take credit cards. So if your dog is dying and needs help, you can't get it unless you have all the money on hand (highly doubtful since the bill can be really expensive) or unless you have a credit card. I have checked all emergency clinics around here and they all say the same thing. What happened to vets who care about the lives of the animals???

I guess I got a little freaked out when my cocker ate some chocolate (alot) a couple days ago and just the thought that I could not do anything for her if she got sick from it scared me. She is perfectly alright now and I am very grateful that she did not get sick or anything really bad happen. So for peace of mind I need to get a credit card in case something bad happens, which I really hope never will.

So what credit cards do you guys use that you are happy with. Or can you recommend a credit card that would be good for the purpose I need it for???
__________________
A dog is a furry person! http://www.dogster.com/?300866 Tracey and the gang
DestinyHarmonyScamperGracieLillieKiwi Hershey Peppi
MyTrixie143 is offline   Reply With Quote
Welcome Guest!
Not Registered?

Join today and remove this ad!

Old 06-19-2006, 06:43 AM   #2
Donating YT 500 Club Member
 
Lola LaRue's Avatar
 
Join Date: Jan 2006
Location: San Ramon, CA
Posts: 710
Default

I would go with whatever company gives you the best interest rate. Have you already established credit in another way? If so, you probably get offers in the mail quite often. Credit card companies are all pretty similiar. I would recommend both Citi Cards and Discover. They are pretty great companies and they both offer lower interest rates on occasion. Do not hestitate to ask for a better interest rate too. You could start with the bank that you do your current banking. The thing you would want to do is charge a little every month and pay it off in full. This builds your credit. Do not overcharge. A good rule of thumb is only charge what you can afford to pay off. I hope this helps.
__________________
Shannon, Lola Larue, Chewbacca Joseph(aka Chewy)
Lola LaRue is offline   Reply With Quote
Old 06-19-2006, 06:53 AM   #3
YT 500 Club Member
 
Hickey007's Avatar
 
Join Date: Feb 2005
Location: Alabama
Posts: 789
Default

Shannon gave great advice. One other thing that I can offer is to check around where you shop a lot to see what credit cards they take. I have a discover that I use then my husband has a visa and we share a mastercard. I've noticed that some places don't take discover. The different companies require different things from the stores or deals with them differently, like how when they get their money, so some stores won't use certain cards. Like I said I've found some stores around here that don't take discover but at the same time Sam's club only takes discover. Plus, the main reason I use discover is you can pay it at Sears. So if you forget to mail it in or just want to go ahead and pay it off you can stop by any Sears and pay it. Other than that I would just go with the one that offers the lowest interest rate like Shannon said, there's really no difference in the cards.

Since you are wanting to use it at the emergency vet's just check and see if they accept all credit cards. Also if anything happens check to see if you do keep a credit card on file if then you can make payments. I know that's what our vet does. You have to have one on file in case you don't make the payments but once its on file they will work out a payment plan.
__________________
Courtney
Hickey007 is offline   Reply With Quote
Old 06-19-2006, 08:32 AM   #4
Donating YT 8000 Club Member
 
Tiger's Mom's Avatar
 
Join Date: Dec 2005
Location: Spokane, WA
Posts: 9,339
Default

Quote:
Originally Posted by MyTrixie143
I know many of you have them. I have tryed my best to avoid getting a credit card, I do have a debit card though. Anyways, I am looking to get a credit card and don't know which one to get, there are soooo many. I want a credit card only for emergencies, mainly for my animals and one with no annual or monthly fees.

All of the emergency clinics require you to pay in full to get your pet help, they won't arrange payment plans or work with you, but they do take credit cards. So if your dog is dying and needs help, you can't get it unless you have all the money on hand (highly doubtful since the bill can be really expensive) or unless you have a credit card. I have checked all emergency clinics around here and they all say the same thing. What happened to vets who care about the lives of the animals???

I guess I got a little freaked out when my cocker ate some chocolate (alot) a couple days ago and just the thought that I could not do anything for her if she got sick from it scared me. She is perfectly alright now and I am very grateful that she did not get sick or anything really bad happen. So for peace of mind I need to get a credit card in case something bad happens, which I really hope never will.

So what credit cards do you guys use that you are happy with. Or can you recommend a credit card that would be good for the purpose I need it for???
Have you considered getting your baby a pet insurance instead? They can help pay for most of your medical bills.

I think all credit cards are pretty much the same. . . just make sure you pay the bill in full when you get your statement so as not to incurr any finance charges.

I have a NWA visa only because I collect miles. It does require an annual fee but because I use it a lot, to me it is worth it as I have enjoyed the benefits of flying for free many, many times.
Tiger's Mom is offline   Reply With Quote
Old 06-19-2006, 09:03 AM   #5
Luv My Butterflies
Donating Member
 
Zoey's Momma's Avatar
 
Join Date: May 2006
Location: The Big Easy
Posts: 2,083
Car

I have an American Express card, but I only use it in emergencies. I used it last year when Hurricane Katrina hit here, but I paid back the bill that I had.
Zoey's Momma is offline   Reply With Quote
Old 06-19-2006, 10:01 AM   #6
Lovin' the Cali kisses!
Donating Member
 
gutu28's Avatar
 
Join Date: Feb 2006
Location: Lawrenceville, Georgia
Posts: 2,990
Default

If you decide to go with a discover, you can get it with a yorkie design on it
__________________
Larissa and Cali
Let's go Georgia Bulldogs!
gutu28 is offline   Reply With Quote
Old 06-19-2006, 11:10 AM   #7
Donating YT 500 Club Member
 
Lola LaRue's Avatar
 
Join Date: Jan 2006
Location: San Ramon, CA
Posts: 710
Default

Oh Yeah, I forgot one thing... Our vet has a credit card available through Care Credit. It is a card that carries no interest for the first year. It came in handy when Lola needed surgery a few months back. It is almost payed off now and I believe our limit was $3500. We needed to use all of that unfortunately. Anyway Good luck to you.
__________________
Shannon, Lola Larue, Chewbacca Joseph(aka Chewy)
Lola LaRue is offline   Reply With Quote
Old 06-19-2006, 11:45 AM   #8
Mom to 6 Beautiful Furkids
 
MyTrixie143's Avatar
 
Join Date: Apr 2006
Location: Ohio
Posts: 5,409
Default

Thanks for all the tips!!! I will have to call around and see what credit cards they take. I can't get pet insurance because it does not cover all accidents and does not cover the whole amount which needs to be paid in full at the time I bring them in and also while I have two young ones, my cocker is considered a senior and her insurance would be really expensive, I have checked all the pet insurance companies and they are pretty much the same when it comes to this. I do have a credit at my one vet that is an hour away, I can charge in emergencies, but they are not open all hours, so if something were to go wrong after hours or on a sunday I could not use them.

I was thinking of visa, they are pretty well accepted in alot of places, has anyone tried them??? Thanks for all the suggestions, I really appreciate it, you guys are the best!!
__________________
A dog is a furry person! http://www.dogster.com/?300866 Tracey and the gang
DestinyHarmonyScamperGracieLillieKiwi Hershey Peppi
MyTrixie143 is offline   Reply With Quote
Old 06-19-2006, 12:01 PM   #9
Donating YT 500 Club Member
 
DianaB's Avatar
 
Join Date: Oct 2005
Location: Fredonia, KS
Posts: 755
Default

I have a Visa card. I've never been to a store that doesn't accept it and I've never had any problems with it.

Please make sure that you only use it for emergencies. There are way too many people who are stressed out because they ran up a credit card bill. Make sure, if you do use it, that the amount can be paid in full the next month. That way you avoid finance charges and any other fees. I cannot stress enough that you need to be careful with a credit card!!
__________________
Diana and Reuger
Take time to laugh. It is the music of the soul.
DianaB is offline   Reply With Quote
Old 06-19-2006, 12:33 PM   #10
Yorkies Rock My World!
 
Jaspermom's Avatar
 
Join Date: Aug 2005
Location: North Carolina
Posts: 4,721
Smile Former banker here...

I was a bank manager for 8 years, and in pulling credit reports, I can tell you that credit cards get more people in credit trouble than any other thing on earth. Be very cautious with whatever card you get. But USE it. Use it every month if you can, for small purchases that you can pay back as soon as you get the bill, and never charge more than 35% of the total credit line if you can help it. This type of usage makes your credit score go up up up!

Make sure you find the best card for YOU. You are on the right track: low interest, no annual fee, and probably Visa is the best logo to have. There are many many MANY vendors out there, so shop around. Start with your local bank, and see what they have to offer. Watch out for hidden charges that must be disclosed in the paperwork they give you, and read everything before using the card. Also, NEVER charge more than your credit limit, and NEVER EVER go 30 days late on a payment. Ask your friends what kind of cards they have, what their interest rates are, and how they like the service. People who work really hard to get the best cards are proud of the outcome and very willing to talk about it.

Good luck!
__________________
Glad
Mom to Jasper, Wosie & Dreama, RIP sweet babies.
Jaspermom is offline   Reply With Quote
Old 06-19-2006, 01:50 PM   #11
Stewie Rox the Sox
Donating Member
 
StewiesMom's Avatar
 
Join Date: Feb 2005
Location: Chicago
Posts: 6,306
Default

I got the American Express Blue Card. No annual fee and you don't have to pay off the balance each month like most amex cards. My credit limit is the highest I've ever had on a credit card.

Oh and 0% on balance transfers for the life of the balance! Woohoo!!!

I'd stay away from Chase Bank. I can't stand them. They really screw you over. You can do a search on here because once I posted about my dilemmas with them. Good luck!
__________________
Kristy & Stewie
StewiesMom is offline   Reply With Quote
Reply

Bookmarks



Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off




Google
 

SHOP NOW: Amazon :: eBay :: Buy.com :: Newegg :: PetStore :: Petco :: PetSmart


All times are GMT -8. The time now is 01:45 PM.


Powered by vBulletin® Version 3.8.9
Copyright ©2000 - 2024, vBulletin Solutions, Inc.
Copyright ©2003 - 2018 YorkieTalk.com
Privacy Policy - Terms of Use

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448 449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491 492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 515 516 517 518 519 520 521 522 523 524 525 526 527 528 529 530 531 532 533 534 535 536 537 538 539 540 541 542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558 559 560 561 562 563 564 565 566 567 568 569 570 571 572 573 574 575 576 577 578 579 580 581 582 583 584 585 586 587 588 589 590 591 592 593 594 595 596 597 598 599 600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 619 620 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635 636 637 638 639 640 641 642 643 644 645 646 647 648 649 650 651 652 653 654 655 656 657 658 659 660 661 662 663 664 665 666 667 668 669 670 671 672 673 674 675 676 677 678 679 680 681 682 683 684 685 686 687 688 689 690 691 692 693 694 695 696 697 698 699 700 701 702 703 704 705 706 707 708 709 710 711 712 713 714 715 716 717 718 719 720 721 722 723 724 725 726 727 728 729 730 731 732 733 734 735 736 737 738 739 740 741 742 743 744 745 746 747 748 749 750 751 752 753 754 755 756 757 758 759 760 761 762 763 764 765 766 767 768 769 770 771 772 773 774 775 776 777 778 779 780 781 782 783 784 785 786 787 788 789 790 791 792 793 794 795 796 797 798 799 800 801 802 803 804 805 806 807 808 809 810 811 812 813 814 815 816 817 818 819 820 821 822 823 824 825 826 827 828 829 830 831 832 833 834 835 836 837 838 839 840 841 842 843 844 845 846 847 848 849 850 851 852 853 854 855 856 857 858 859 860 861 862 863 864 865 866 867 868 869 870 871 872 873 874 875 876 877 878 879 880 881 882 883 884 885 886 887 888 889 890 891 892 893 894 895 896 897 898 899 900 901 902 903 904 905 906 907 908 909 910 911 912 913 914 915 916 917 918 919 920 921 922 923 924 925 926 927 928 929 930 931 932 933 934 935 936 937 938 939 940 941 942 943 944 945 946 947 948 949 950 951 952 953 954 955 956 957 958 959 960 961 962 963 964 965 966 967 968 969 970 971 972 973 974 975 976 977 978 979 980 981 982 983 984 985 986 987 988 989 990 991 992 993 994 995 996 997 998 999 1000 1001 1002 1003 1004 1005 1006 1007 1008 1009 1010 1011 1012 1013 1014 1015 1016 1017 1018 1019 1020 1021 1022 1023 1024 1025 1026 1027 1028 1029 1030 1031 1032 1033 1034 1035 1036 1037 1038 1039 1040 1041 1042 1043 1044 1045 1046 1047 1048 1049 1050 1051 1052 1053 1054 1055 1056 1057 1058 1059 1060 1061 1062 1063 1064 1065 1066 1067 1068 1069 1070 1071 1072 1073 1074 1075 1076 1077 1078 1079 1080 1081 1082 1083 1084 1085 1086 1087 1088 1089 1090 1091 1092 1093 1094 1095 1096 1097 1098 1099 1100 1101 1102 1103 1104 1105 1106 1107 1108 1109 1110 1111 1112 1113 1114 1115 1116 1117 1118 1119 1120 1121 1122 1123 1124 1125 1126 1127 1128 1129 1130 1131 1132 1133 1134 1135 1136 1137 1138 1139 1140 1141 1142 1143 1144 1145 1146 1147 1148 1149 1150 1151 1152 1153 1154 1155 1156 1157 1158 1159 1160 1161 1162 1163 1164 1165 1166 1167