Signature cards

[TRDCorolla1]

Anyone here has a Lexus Pursuit Visa Signature card or a general Visa Signature Card of any kind? What's the primary difference of this compared to a Platinum or Gold card?

Seems there's so many varieties of cards these days. Cashback, Rewards, Miles, Platinum, Gold, Titanium, Signature, Signature Business, etc.

 

[hmammen]

lol...**** if i know.

 

[TRDCorolla1]

That kind of leads me to believe that this forum has a much, much younger age group instead of adults over 26+ years of age. Most computer forums seem to be like that. I guess computers are a thing for the younger generation.

Certain car forums on the other hand have a much older demographic, depending on the type of car. Me, I drive a Lexus so I'm a member of the Lexus Forum. I asked this same question there in their Social Lounge and already recieved well over 22 replies. I posted this thread here to try to get more response with a different view (computer enthusiast vs car enthusiast), but obvisouly not getting any because most members on here probably don't even own a house or a well established career. Let alone a luxury credit card such as the Signature card or the World card.

 

[hmammen]

i have a credit card man....i just dont know how to help you....

i too am part of an RSX forum, which is the car i have.

and i think the different levels of cards have different interest and beneifts, and some are company only cards.

 

[hercules_upw]

I've got several platinum/titanium/signature cards. There are only a few basic things to look at .
1. Interest rate - High= bad Low=good (I've got a couple that run about 7% for purchases)
2.Interest calculation - Most of the companies these days use the average of two billing cycles for interest calculation. Just pay it off every month.
3. Grace period - 20 to 30 days is the norm
4. Perks - Your lexus card may get you discounts at the dealership.

I don't think there are any really outstanding differences between most cards. If your credit score sux, plan on paying a high rate. If it's good, you'll get loads of offers. I get one or two every day. Most of them are 0% for a year on balance transfers with no fee. Last time i checked, my credit was in the 800s, but i make a lot of money and have almost zero debt.