What is your "Dream" card?

For just about anything you want to get off your chest about credit cards.
55 posts
JonE
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Location: Denver

Re: Re:

Postby JonE » Thu Jul 09, 2015 9:37 am

MemberSince99 wrote:
Actually, if you can believe what you read on MF, CapOne seems to be giving a lot of big limits out these days. I'm half tempted to app for one of their Visas and assuming a reasonably high limit and Signature, kick Discover to the curb. It really incensed me reading on FICO that some guy with scores in the 600s and a few low limit cards (3k and less) gets approved for a starting limit of 13k with Discover. I'm getting sick of that "we're conservative" line. They are only selectively conservative, typically against people with good credit. Clearly they really don't want that business, and I'm to the point I'd be happy to oblige them.

Sorry didn't mean to go on that Discover rant, it just really hacks me off how they are. Maybe the aggravation just isn't worth it.
I think I'll give that a shot. Whether I get the card or not, Discover is pretty much hanging by a thread these days, double rewards or no. I'd gladly give them back the double rewards for a limit equal to my highest card. Or even 10k for that matter.


And it isn't like they're consistent with it. I tried applying for Discover IT about the same time I got approved for Freedom. They didn't like my scores despite being in the low 600's which was good enough for Chase. Now that I have Freedom, I don't see much of a need for another 5% category card to begin with.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD


JonE
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Location: Denver

Re: What is your "Dream" card?

Postby JonE » Thu Jul 09, 2015 9:49 am

I'm not sure I exactly have a dream card. My list at one time was about 8-10 cards long and has now been whittled down to two or three definites, with one or two maybe cards. The "definitely" cards include the Chase Sapphire Preferred to get the combo with Freedom, the Amex Blue Cash, although I'm still mulling over whether or not I want the Preferred or Everyday version. I know the Everyday is offering $100 with $1000 in spending which I can take care of very easily with one trip to the Apple Store, to that end BCP has the same deal for $150 for $1000 spending.

The maybes: Citi Double Cash, simply for having a MasterCard and the 2X points don't hurt. Barclay Sallie Mae, although I would likely just use it for Amazon spending, which I do quite a bit of, and the Amazon prime store card covers the same bases with 5%, difference is with the store card it's uncapped. Although I'm not super happy with Synchrony at this point, and that may be a no-go.

Then there's the No chance in Hell list: which pretty much includes Capital One and Wells Fargo due to bad experiences with both.
Last edited by JonE on Thu Jul 09, 2015 11:09 am, edited 2 times in total.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

nowipaco
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Location: MI

Re: What is your "Dream" card?

Postby nowipaco » Thu Jul 09, 2015 10:24 am

Once I am out of school and have a job that makes sense to have it, I would love to have the Ritz Carlton card from Chase. I love staying at the Ritz, but I do not stay nearly enough right now to justify that annual fee. It would replace a couple of my cards that I have right now. The trouble with ever going for it for me is that hefty annual fee.

AmEx ED: $4500 (02/15)
AmEx PRG: NPSL (02/15)
AmEx SPG: $2000 (06/15)
Capital One QS: $3250 (02/13)
Marriott: $5000 (01/16)
Ritz Carlton: $13,500 (09/15)
TCL: $34,750 (Some not shown above)

22 y/o student

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ScoreOnTheRise
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Re: Re:

Postby ScoreOnTheRise » Wed Aug 19, 2015 5:08 pm

lobbythis wrote:
ScoreOnTheRise wrote:
ScoreOnTheRise wrote:I don't know if I have a "dream" card, but I'm holding out about 8 to 10 months more to keep from straining my AAoA before applying, but but am looking at going for a Chase Sapphire Preferred and/or an Amex Blue Cash Everyday.


Well, it turns out exactly 8 months later, after closing on a mortgage I just applied for and was approved for both the Chase Sapphire Preferred and the Amex Blue Cash Everyday with a 25K and 10K limit respectively.


With those limits and profile, I think it's time to say goodnight to CapOne my friend.


I called CapOne, asked for a CLI. They said no, so I said see ya. Also, I recently bought a car and the dealer submitted my app to multiple lenders, among which was CapOne and they said no, but Chase said yes. Chase must really love me. In the last 2 months I got a new CSP from the with a $25K limit and a car loan for $27K. I'll never do business with CapOne again.
American Express PRG [NPSL]
Chase Sapphire Preferred [$25K]
American Express BCE [$20K]
Discover it [$18.5K]
Barclaycard Arrival World MC [$6K]
Citi Diamond Preferred MC [$4K]
Citi Home Depot Consumer Credit Card [$3K]
Citi Best Buy Visa [$2K]

dragon452
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Location: South Florida

Re:

Postby dragon452 » Sat Aug 22, 2015 8:15 pm

takeshi wrote:No dream card here. They're just tools and their usefulness can change over time as rewards and products change. I don't need to wave one around to impress people.

I had several that I wanted when I was rebuilding but now that I'm out of that phase and have those cards plus others it's really not a big deal anymore.


Takeshi, you are SO RIGHT!



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