Jump to content

Sign in to follow this  
xelda

Any CUs or CCs I should apply for while living in California?

Recommended Posts

Hi, Everyone! I haven't posted in here a long time. I originally joined in 2008 when I was still a college student. I took the awesome advice here and easily bought a house by myself several years later.

 

My newest job has brought me out to California. I thought finally this would be a chance to apply for JCB, but I got here right when the card got phased out in the US. :(

 

Are there any other credit products or CUs exclusive to residents or employees of California that I should take advantage of while I'm here?

Share this post


Link to post
Share on other sites

Not CA-specific, but if you were after 3% back with the JCB card, do an in-branch app for a Chase Freedom Unlimited (or wait until next month when you can app online).

 

https://www.creditcards.com/credit-card-news/chase-freedom-unlimited-card-update/

 

You could also get a Discovery IT Fake Milez card, which pays 1.5 fake milez per dollar and then pays a 100% reward bonus at the end of the first year.  

 

No airline accepts these fake milez but you can cash them out to a bank account or redeem them against previous purchases of anything from particle board to rhinoplasty.  Either option gets you one penny per fake mile.

 

Note that Discovery has slowly removed virtually every useful card benefit and is generally regarded as the worst issuer when it comes to cardholder protections.

 

Sounds like you've had your act together so I'm not sure why you'd want to deal with a credit union.

Share this post


Link to post
Share on other sites
9 hours ago, xelda said:

Are there any other credit products or CUs exclusive to residents or employees of California that I should take advantage of while I'm here?

Golden1 has a CC that gives 3% cashback on groceries/gas/restaurants if you don't have something better for those categories.  It doesn;t have an annual fee.

Share this post


Link to post
Share on other sites
7 hours ago, cv91915 said:

Not CA-specific, but if you were after 3% back with the JCB card, do an in-branch app for a Chase Freedom Unlimited (or wait until next month when you can app online).

 

https://www.creditcards.com/credit-card-news/chase-freedom-unlimited-card-update/

 

You could also get a Discovery IT Fake Milez card, which pays 1.5 fake milez per dollar and then pays a 100% reward bonus at the end of the first year.  

 

No airline accepts these fake milez but you can cash them out to a bank account or redeem them against previous purchases of anything from particle board to rhinoplasty.  Either option gets you one penny per fake mile.

 

Note that Discovery has slowly removed virtually every useful card benefit and is generally regarded as the worst issuer when it comes to cardholder protections.

 

Sounds like you've had your act together so I'm not sure why you'd want to deal with a credit union.

Can you be more specific and/or direct me to this info. TIA

 

Share this post


Link to post
Share on other sites

I'm not sure if a card like City National Bank Visa Infinite fits your goals but CNB does have branches in CA, so you'd be eligible to apply for it if that card and its benefits are right for you. 

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    No users celebrating today.
  • Member Statistics

    • Total Members
      177,751
    • Most Online
      1,528

    Newest Member
    justindowney2014
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines