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Old 09-22-2008, 05:47 PM   #6 (permalink)
Andi
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Join Date: Mar 2008
Location: Northern New Jersey
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Originally Posted by BurtonAvenger View Post
The card I have now was a prepaid to "build" credit and frankly I'm so pissed off at Wells Fargo these days I'm getting closer and closer to pulling the plug on my account with them. I could just get another card and get out of this fisher price my first credit card bull shit. I'd do Bank of America again if there was one that wasn't 70 miles away. Have to remember I'm trapped in the mountains.

I've been eyeing up Discovery and Capital 1. I'm not to worried about the debt thing because I'm fairly smart with my money. I just need this CC for some purchases I won't have the cash for, for a long time. I've been looking at just getting the Best Buy credit card that offers no APR for one year then either 6 to 10 percent after that. I'm only getting this CC so I can get a Macbook, Digital Camera, and Camcorder. I want to bang them out as one huge purchase on a new card that gives me no APR for a year and like a 3 grand limit then I can have it paid off by my estimates probably by next June.
BA the Best Buy credit card is probably going to be the best choice (in my opinion) for the items you are looking to buy. They offer great "no finance charge" deals on purchases. Every major electronics purchase (my Mac, 42" LCD, laptops, digital camera, etc.) that I've had in the last three years has been through Best Buy. I've never paid a finance charge because I've always paid before the end of the payment term. Usually I just do the 6 month "no finance charge" term because it makes the most sense in my case, but I know they frequently offer longer terms (i.e. 12, 18, 24, months no finance) on select items. On my latest Mac purchase they offered up to 24 months "no finance" which can be useful when expenses get tight. The downside I guess is that its a department store card and you can't use it outside Best Buy. You could always get the Best Buy MasterCard if that's a concern but keep in mind that the "no finance charge" doesn't apply.
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