2 Credit Cards Question? I have two credit Cards. I ask solo questions yesterday on

I have two credit Cards. I ask solo questions yesterday on the two companies, I enjoy a Capital One Platinum Card, and 1st Finical Bank Master Card. and I'm think on whether to get rid of one.

My Capital one is Platinum, which offer added protection, but the interest in 20.30, which is pretty high. They also give me a $2000 credit limit.

My 1st Financial Bank card has a interest of 16.50% and 0% on purchase underneath $250 dollars. But the credit limit I have next to them in only $1000.

If you hold any idea on which to keep tolerate me know. If you have any experience with any company can you please give me your opinion on them and any other information yo chew over would be useful

The earlier answer that suggested barganing seem pretty good! I'd try it. Barring that, however, I would keep the one next to the lower interest rate. If you use the card and pay it off within good time, they will gradually bump up the limit on your card. 20% is too much, really.

Of course, you also have the selection of shopping around online for a card with the best incentives and lowest interests. I can't speak for the American companies, unfortunately, and can't detail you what their customer service is like.

Dude, do this..Call each company say-so "I have another card with a touch higher credit limit and a smaller interest rate" (dont detail them the name of the company), I'm going to get rid of any your card or maybe the other one"...
See if they'll give you a greater limit AND a lower percentage rate.
I bargain near MY card issuers ALL THE TIME!

Answer:
If I remember correctly, you are a student, so it's unlikely that you will pay the go together in full if you max out the card every month. This is easy to do when you entail books and have to pay student fees. Credit cards are not free money. The minimum donation looks attractive now, but it will pull you into hell after that.

While I'm not familiar with Financial Bank and their programs, their contribute looks much better than Capitol One. Your limit with Financial Bank will increase over time.

If you are concerned almost the warranty protections, check and see if your debit card offers warranty services on purchases. I found out that my Washington Mutual card does when I was bored one darkness and I read the fine print disclosures. Banks have a way of disclosing information they don't want to relay you in the disclosures, hoping that no one read them. But I digress.

Thank you for asking such a responsible question!

Just save them both doesn't mean you have to use them a moment ago better for your credit not to cancel a card.

Also, if you do what u are suppose to be meaning money them off every month that interest rate should not matter.

:)

What ever you do, do not close any of your cards! If you necessitate to use one, just use the one with better interest. Part of have good credit is having established credit. Keeping both of them unstop with help you build established credit history.

keep them both, but use with the sole purpose the 1st Financial Bank card. Use the Capital One only if you must. That way if within is an emergency when you need the extra credit you have it. Such emergency might be the call for to repair your car for example.

If you have have the 1st for some time and used it frequently, you might call them and ask them to raise the credit limitation. I would be willing to bet that they would.

The interest rate should not issue. If you do not pay your credit cards in full respectively month, they are eating your lunch. I would keep and use both -- will serve build your credit record.

Keep both there is bo injure in keepinh 2 cards

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Keep the lower interest rate one, and ask for an increase in your line of credit if you requirement it. But, if you miss a payment, your interest rate will jump.

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Keep them both open, but use only one and income the balance in full every month. Closing an tale usually actually lowers your credit score, so it's really self defeat.