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I'm considering applying for a Banner Bank Platinum Rewards Credit Card, since I bank with them. Is this a good choice, because currently I have Capital One and am having trouble with them. I just want a card that can help me build strong solid credit history. Capital One charges me 21% interest rates, and Banner Bank can offer you a 9.99% to people with good credit. Do any of you have one of these cards, what are the advantages or disadvantes of owning one? Just give me overview of this card if you could please. Also do any of you know if they charge a fee for usage, like for example Capital One charges $10.00 everymonth-$120 yearly. Does Banner Bank do this kind of things? Oh and no smart remarks please. Like no credit card is good kind of thing, work with me here.

Thanks in advance.

I don't have experience with Banner Bank but I would recommend you look into credit cards from Chase. I have one of their cards and they have low rates and I don't pay any monthly or annual fees.
http://www.ccvault.com/credit_cards/chase.php

good luck

I just applied for a credit card that gives you rewards point, don't really need a credit card but I got it cuz I'm 25 and want to build credit as I'm thinking of buying a house soon. My question is will they give you points for just buying gas, beer, and pizza? Cuz I was just thinking of telling my friends that I'll buy beer with my credit card take their money and pay it off at the end of the month to build credit faster. Will my credit score go up with just buying beer and gas and will I still get my rewards point? It is a basic Citi Bank Rewards Card.
I was thinking maxing out the credit card and then paying it off at the end of each month with all the money I save.

My job involves creating credit cards for companies like United Airlines, so I know about this.

Your credit score is a quick way for creditors to judge how you have done with loans (which is what credit cards are). So if you have a credit card for a long time and have always paid what you promised to pay, on time, then it will help your credit score. But if you buy beer with your card, collect money from your friends, but don't pay your card on time because you, like most 25 year olds, spent all your money, and the money you collected from your friends on something else (let's say a new PS3), then your credit score will go down because you were late. As for the rewards points, it really depends on which card you have. Call your credt card company and ask them what they offer.

What is the best rewards credit card. I only spend 400 a month and have good but not excellent credit.

there are tons of different options. compare them at

www.peoplesavehere.com

good credit or bad credit.

Ok, i own a house and do have good credit. I have never been late on a payment. I understand all the risks involved in using credit cards. My goal is to set up automatic payments from all my monthly bills (phone, internet, gas, electric, MORTGAGE, HOA, car, etc.) as well as use my credit card to pay for EVERYTHING. My goal is not to run up the balance or use it irresonsibly (sp). I just want to use my card like cash and pay it off each month. Hopefully, this will help me build better credit and EARN REWARDS (cashback, travel, miles, etc.). I want to consolidate all my bills and expenses into one payment on my credit card, and pay it off each month. Do credit card companies allow this? Is there anything i'm overlooking that won't allow me to do this? thank you

I personally use your scenerio in my current lifestyle. I consolidate everything to one credit card on an automatic payment schedule and pay the balances down each and every month.

The key is paying down the charges in the 30 day grace period so you dont incur any interest charges and your rewards come free of charge.

You must consider the amount of the monthly charges and may have to add an additional card because you want to make sure that all your monthly charges remain under 30% of the credit limit. Otherwise, your charges to the one card will throw off your debt ratio and lower your FICO score.

In my situation I have a 25K card which I use for my monthly bills and emergency fund. It also has rewards which I let accumulate until christmas time.

Yes, the credit cards allow this afterall, they are not loosing money. The credit card companies make a majority of their money off the retailers themselve as they pay a fee on each transaction. Credit card companies make anywhere from 1.5-4% on each transaction depending on the company each service. They don't mind at all if you pay everything with plastic.

I have a chapter 7 discharged 7 years ago. I don't want to be filling out offers for credit cards that are hopeless, I also think our credit is better than rock bottom as we have a car pmt thru the credit union and have refinanced our home twice in the past 7 years. We have not been late on a house payment in at the very least 10 years. And never on our car payment.

If you're looking for a card with cash back benefits, the Discover Platinum Card may be a perfect fit. This card offers a 5% rebate for items purchased at participating locations, including restaurants, gas stations and clothing stores. You can also earn up to 1% cash back on general purchases.

Besides the cash back rewards, the Discover Platinum Card offers a 0% APR on purchases and balance transfers for the first year. If you have a sizable balance on your current card, transferring it to the Discover Platinum Card could be a smart move. You'll be able to pay off the balance over a few months and stay interest free. You'll also get to choose from over 150 card designs and will not have to pay an annual fee. Read more about credit card at: http://www.credit-card-gallery.com/article/161,Discover_Credit_Cards_Online_Offers_Reviewed

I don't want to pay an annual fee – are there any good free ones?

Citgo Preferred Visa issued by Citibank: 1% cash back on all purchases, credited automatically to your statement the same month.

Chase PerfectCard: 1% back on all purchases, 3% back on gas. Credited automatically to your next month's statement. Uncapped.

AT&T Universal card issued by Citibank, Citi Dividend: 1% back on all purchases, 5% back on purchases at grocery stores, gas stations and drug stores. Limit $300 in cash back per calendar year. Once you have accumulated at least $50 in cash back, you can call or request online a check for the current cash back amount.

Chase Cash Plus: 1% back on all purchases, 5% back on grocery store, gas and drug store purchases. Call or request online a cash back check in $50 increments. Limit $300/year.

American Express Costco TrueEarnings card: 1% back on all purchases (including costco purchases), 2% back on travel purchases (airfare, hotel, rental car), 3% cash back on restaurant purchases. At the end of the year (in Jan/Feb) you get a costco gift certificate which you can use for costco purchases, or you can bring it into costco and redeem it for cash.

with my buying everyday items like gas , shopping , clothes. I want to get like 1 dollar for every point. But i have no credit so wat card can i get ??

If you have no credit, you will have to start with a secured credit card.

Secured credit cards don't offer rewards.

I have an Amazon Chase Credit Card. Also, if I am suposed to declare the $150.00 on my taxes, is there any way the government will find out if I don't declare it? Will Amazon or Chase report the $150.00 to the Government?

No, because this is just a return of your own capital. In other words this is a reduction of interest you paid during the year. If this amount exceeds the amount you paid your credit card (highly unlikely) then yes any amount greater is reportable income. The only way the IRS would know is if Chase sent you a 1099 which would mean they send the IRS a similar statement. Good question but I wouldn't worry this is considered a rebate. The IRS has much bigger fish to fry so they also are not concerned about this transaction.

Do you guys know if that is legit or not? I gave them all my information and what not. Has this happened to anybody?

I can't tell you if it was legit or not because it could be anyone calling you. Just keep in mind that you shouldn't give any information on the phone unless you know for sure it is your bank or someone trustworthy. If you want a college student card, you should look at your options before applying for one that came your way. See student section in the site below and look through all the ones you can get. It's better to apply online and receive a decision instantly.

free cruise and plane tickets. i have amex and they are really cool.

u dig?

i dig.