djmartinusen

5 Contributions 450 People Helped

Member Since: August 2009

Most Helpful Contribution

Blue Cash Preferred® Card from American Express

Oct 07, 2012
Favorite Card but Pay off Monthly
Helpful to 365 out of 403 people

This is my first choice whenever I pay for things because of the cash back, but I don't dare carry a balance through a billing cycle since the interest rate is so high. I recommend this card only to those who pay off their entire balance monthly. Otherwise you could rack up some serious debt in interest charges.

Activity (5 Total Contributions)

Blue Cash Everyday® Card from American Express

Apr 26, 2017
Best card I own
Helpful to 29 out of 29 people

  Great for earning rewards, the best I have found out there. The interest rate is high, but so are the other cards out there. That's the nature of these post-crisis times. Hopefully, someday we'll have low rates again. I recommend paying off balances monthly so you don't ever pay interest. American Express has never ran a hard credit inquiry when I requested a spending limit increase. Another card I own always does that, which I hate. So that's a plus if you don't want your credit dinged by a hard inquiry that sticks around for two years. Customer service for this card, from my experience, has been excellent, which in this day and age is rare. 

Blue Cash Preferred® Card from American Express

Oct 07, 2012
Favorite Card but Pay off Monthly
Helpful to 365 out of 403 people

This is my first choice whenever I pay for things because of the cash back, but I don't dare carry a balance through a billing cycle since the interest rate is so high. I recommend this card only to those who pay off their entire balance monthly. Otherwise you could rack up some serious debt in interest charges.

Credit card utilization and your credit score

Sep 19, 2014
Helpful to 36 out of 40 people

The credit card companies are still making money on your purchases, charging vendors when you shop. The more you spend, the more they make. It all adds up.

Citi ThankYou® Preferred Card - Low Intro APRs - EXPIRED OFFER

Oct 07, 2012
Cold and Uncaring Company
Helpful to 16 out of 21 people

 My wife and I had this card for years. We always paid on time and never missed a single payment. But as a victim of the housing crisis, I had to give up my construction business and my wife also lost her business. Both of us found work, but our income has been reduced so we fell behind on our mortgage. Citi was the only one of our credit cards that reduced our credit limit to a mere $500. I called and explained our situation and reminded them of our perfect record with them, but they could care less.    

Blue Cash Everyday® Card from American Express

Apr 02, 2014
Best Card
Helpful to 4 out of 5 people

American Express has been the most reliable credit card of all the companies I have done business with. Many business do not accept American Express, which is frustrating, so I keep another card as a backup. But I have adjusted most of my spending so that the majority of those I do business with are those who do accept them. The main reason I use American Express is their excellent customer service and awesome rewards.