Seeking advice on which credit card to choose

My first advice is to keep your finances separate until after you get married. The only reason I say this is because after 13 years of marriage and single-income for nine of those years, we separated and things got very dicey because of money. Even though we are working things out and re-connecting, money is still an issue. It's one of the top reasons people split up. So my advice is to keep things separate until you very secure with the relationship, and that you are sure it is a forever thing.

That being said, if you have the capacity to pay things off every month, go with a rewards-based card. United Airlines is what I have and outside of the ridiculous interest rates, I have enough points to fly myself and my wife anywhere in north america for free. Good times! The bad side of this is if you have some emergency situation that you can't pay off that month, you looking at 25+% on these cards...and that's with gold balls credit. So if you can't pay it off every month, don't do it.

That leaves us with shopping around. See which bank will give you the best rates, and negotiate with them to see if you can't get something better. Let them know you're looking at five other institutions and have them give you their best rate.

That's it! Don't fall back on that thing too much or you'll soon be under a mountain of debt you can't climb. And filing for bankruptcy can pretty much destroy your chances of financing any large purchases for years to come. Furniture, a vehicle, whatever you might need to finance will be very hard to get and if you do get it you'll need a lot of money down and high interest rates.

Good luck.

It doesn't matter what card you get. Just get any card with decent terms and then do this to it and turn the card into a "chick magnet".

http://www.zug.com/credit/student/index04.html

What?

From personal experience, you're going to regret whatever decision you make on this one

But I'd go with no card (best) or separate cards.

If you are only going to spend $800 a month using the card, you will want to think very hard about paying an annual fee. If you qualify you may find the Costco AmEx to be a good deal. You get 1% on all purchases (including the only CC accepted at Costco), you get 2% back on fuel, and 3% on travel. Best of all there is no annual fee (although I do think you need to be a member of Costco to get the card).

I know that there is a Continental (which will soon convert over to United) OnePass card that carries a $50 annual fee. When you purchase a ticket with the card, however, you get to check one bag for free. Buy two tickets over the course of a year and it pays for itself. Plus when you purchase tickets through continental.com you get 1.5x the purchase price of the ticket in miles plus the actual miles of your flight.

Credit card thread: http://www.styleforum.net/t/264241/unofficial-credit-card-information-thread/0_100