What is your "Dream" card?

For just about anything you want to get off your chest about credit cards.
55 posts
dickey1331
Centurion Member
Centurion Member
 
Posts: 229
Joined: Thu Mar 07, 2013 10:59 pm
Location: Houston, TX

Postby dickey1331 » Thu Oct 30, 2014 11:57 pm

The Centurion card would be my dream card if money wasn't an issue. As for right now I like all my cards and dont have a dream card.
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
American Express Blue Cash Preferred $10,000
Chase Sapphire Preferred $6,500
Best Buy $6,000
Chase Freedom $4,500
Zales $4,000
Amazon Prime $4,000


User avatar
FastSRT8
Centurion Member
Centurion Member
 
Posts: 1455
Joined: Thu Apr 19, 2012 1:32 pm
Location: Canada

Postby FastSRT8 » Fri Oct 31, 2014 12:27 am

Status quo... Palladium is nice but not nice enough for me to apply for it.
Carpe diem quam minimum credula postero!

Brad Bishop
Centurion Member
Centurion Member
 
Posts: 144
Joined: Sat Jul 12, 2014 7:38 am
Location: Atlanta, GA

Postby Brad Bishop » Fri Oct 31, 2014 7:26 am

nismoZtuner wrote:My dream since i was probably 8-9 years old was the American Express Gold Card. i would see all those fancy people on Tv with them and that just made me want to have one- alter on i found out that Amex was not the easiest bank to get approved from but when i turned 20 i went ahead and applied- to my surprised i was instantly approved! felt special hahah

i have had a couple of issues where some places even friends think the card is fake somehow.. all i have to do is swipe- Feels like whatever now -_-


I thought the same thing when I was just starting out (late 1980s). The Amex Gold Card was something of prestige. I applied for the Green, which I thought was cool in and of itself, then I eventually got the Gold and then I learned of the Platinum and thought that was even cooler and got that. I held onto it for a few years.

Today, I just don't care about the design/color of the card. My dream cards, which I have, have a different criteria these days:
1) No annual fee or, if there is an annual fee, it should be offset by services I'd otherwise buy during the year to equate to no annual fee
2) An ample, but not overly, credit line. I want enough credit to where my day to day use is unaffected or even if I need to carry a balance for a month or two then it's not a big deal. I don't want nor need enough credit on a card to buy a car. I actually tell the banks to reduce the limit and not auto-increase it.
3) Good customer service - I won't put up with crap.
4) One of each: Amex, Visa, MasterCard, and Discover - It's really more of a "Just in case they don't take..." situation.

Now, if I made more money, let's say I made $millions/yr, then I think I'd approach the cards in much the same way but with increased limits as I'd be spending more. I don't think I'd get a Centurion Card, which would be what most would think of, unless I could justify the expense of one based on the services.

User avatar
kcm7
Centurion Member
Centurion Member
 
Posts: 229
Joined: Wed Feb 19, 2014 10:05 pm
Location: TX

Postby kcm7 » Fri Oct 31, 2014 9:30 am

Platinum. But I know I would never use the benefits enough to justify the cost.

I am planning on getting an AmEx in the near future, though -- but one of its less glamorous workhorse cards (BCE, probably).
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Fri Oct 31, 2014 1:30 pm

Brad Bishop wrote:Now, if I made more money, let's say I made $millions/yr, then I think I'd approach the cards in much the same way but with increased limits as I'd be spending more. I don't think I'd get a Centurion Card, which would be what most would think of, unless I could justify the expense of one based on the services.



yeah i see no point, most of the benefits that the centurion has are on the platinum (that extra AF can be used for a good trip).I also want a card from each bank.

Amex (PRG & BCE) ✓
Discover (IT Card) ✓
VISA ( CSP & MRP) ✓
Master Card ( working on it, but i want an elite one)
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

wiivile
Centurion Member
Centurion Member
 
Posts: 151
Joined: Mon Apr 22, 2013 10:05 pm
Location: New York, NY

Postby wiivile » Fri Oct 31, 2014 2:09 pm

Sadly, my dream card is a discontinued student card. The Citi Forward. Ugh I want that card.
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3939
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Fri Oct 31, 2014 7:58 pm

nismoZtuner wrote:yeah i see no point, most of the benefits that the centurion has are on the platinum (that extra AF can be used for a good trip).I also want a card from each bank.

Amex (PRG & BCE) ✓
Discover (IT Card) ✓
VISA ( CSP & MRP) ✓
Master Card ( working on it, but i want an elite one)


WEMC is a little tricky in your situation. You already have 3 travel cards, so Arrival+ or airline cards would perhaps be of limited use to you.

If you want to get a new GM car, you could get the Cap One card. I briefly considered it just as a light-use, no-AF WEMC.

The rewards are great or useless depending on whether you want a new GE vehicle or not.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

Berk
Gold Member
Gold Member
 
Posts: 33
Joined: Sun Sep 28, 2014 5:54 pm
Location: NE Florida

Postby Berk » Mon Nov 03, 2014 12:45 pm

My "dream card" is one that allows me to spend as much as I want on what I want and never asks me to pay the bill!

We can all dream can't we?

I am pretty happy with what I have now. I do find myself using my Premier Gold and Delta card more and more to take advantage of the travel points. At this point I can still justify the AF on each. If I didn't have those I would probably choose the Citi Thank You and Discover Cash Back.

I don't have much of an imagination; consequently, I don't find myself dreaming about a card that my income can't support.
Fico Scores 05/25/2015
Equifax 766
TransUnion 788
Experian 797

Over $140,000 in credit across 12 cards.

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Mon Nov 03, 2014 1:10 pm

CarefulBuilder14 wrote:WEMC is a little tricky in your situation. You already have 3 travel cards, so Arrival+ or airline cards would perhaps be of limited use to you.

If you want to get a new GM car, you could get the Cap One card. I briefly considered it just as a light-use, no-AF WEMC.

The rewards are great or useless depending on whether you want a new GE vehicle or not.


TRUE, it`s just a small phase you can say- its just sometimes that i want a new card then out of a sudden i dont
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

Nixon
Centurion Member
Centurion Member
 
Posts: 1090
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Postby Nixon » Mon Nov 03, 2014 3:23 pm

CarefulBuilder14 wrote:BCE and Sallie Mae were perhaps slightly 'dream cards'.


Sallie Mae WAS one of my dream cards. Recently got approved after 4 rounds of Recon with Barclay's army of denial-bots :p
Image



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests