I'm looking for a no fee credit card w/ out any late penalities either. Visa is the card I need. I have above good credit, just don't want to pay any more fees. Also, if the Visa card has reward program to boot, I would be more interested.
TY,
hi, this question was repeated earlier. if you're not sure if anyone has responded to your question yet, check your account. see your user name stated underneath ask, answer, and discover? try clicking that and it will take you to your questions. :)
bankrate.com is an excellent place to shop for credit cards. You can search by all of the criteria you mentioned above.
The late fee is very usual for all the creditor that is how the how company operates. However, if you receive late fee, you can always negotiate with your creditor for waive the fee for a reason such as you did not receive the statement. Citi bank credit cards is very good that they do not charge fee for balance transfer when you first open a new account. Also, you could ask them you send you amount of check to you for balance transfer and they do not charge the cash advance fee. You can manage the fund as you want. If you receive late fee, call them and describe your situation. Usually you can get pretty good result
Best wish
citibank seems to be doing very well with all those things. there new card has all different kinds of flexibility. stay away from bofa they mostly have gimmicks and they raise and drop interest rates willy nilly. plus i hate them on principal. wamu has taken over providian - they do have a no fee-low rate card, and it seems very but this is something you may want to look into in a couple of months and see how they handle the merger. lastly "the no-hassle" capital one cards are fantastic. Lower rates (i don't carry balances and I am sure you don't either - so 0% is a moot point) easy balance transfers, and the customer service really is no hassle. Only problem, if you want to make a larger purchase - they only auto-increase guidlines - there is no requesting. lastly as a credit union employee - i have to say check your local credit union.
i too had an 810 in my mid-twenties.
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