What is your "Dream" card?

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PlatinumAMEX94
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What is your "Dream" card?

Postby PlatinumAMEX94 » Wed Oct 29, 2014 3:50 pm

Everyone has a dream card. For some people it is just getting that first card, whatever it may be. People ask me all time how I got such good credit. My response was always the same. Pay your bills off as fast as you can, on time and banks will be happy to loan you money or grant you credit cards.

So what card is on your list for right now or for in the one day off and distant future?

Me? I'm pretty happy with what I've got. $7500 for a black card is a lot of money with not much difference in benefits of what I already have.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
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American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+


TheSwarm
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Postby TheSwarm » Wed Oct 29, 2014 4:22 pm

I'm also happy with what I've got. Planning to ditch the slate and hopefully roll the limit into the Freedom or whatever.

Then just churn a couple airline cards for the signup bonuses.

My dream though would to one day be able to make full use of either an Amex Platinum or Citi Prestige. If I used lounges often I would definitely consider those my "dream" cards. It's not that I don't think I couldn't get them, but I doubt that I would make the $450 annual fee worth it.

popamode72
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Postby popamode72 » Wed Oct 29, 2014 4:29 pm

Amex BCE in January and also the Chase Amazon Visa soon as well. I've SDed my Wal-Mart card for now too.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Oct 29, 2014 5:44 pm

BCE and Sallie Mae were perhaps slightly 'dream cards'.

US Bank Cash+ was one until the restaurant nerfing.

Maybe Arrival+ would qualify now. I tend to apply for whichever card is most useful to me, so I guess I expect instant gratification of my 'dreams'.

The three times I've waited to apply for a card I wanted were:

1. I never applied for the Cash+, since I thought a longer history was necessary. Then they nerfed it.
2. I waited 2.5 months after the PRG to get the BCE I really wanted.
3. I am waiting for the Arrival+ since Barclays usually likes to see about 6 months between new cards with them.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

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lobbythis
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Postby lobbythis » Wed Oct 29, 2014 9:38 pm

Palladium.

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Oct 29, 2014 10:00 pm

For people who are building or rebuilding their credit, the question is very relevant. Once you have prime cards, though, it's really just a question of whether a card suits your spending habits.

Part of me feels that it would be nice to have a few high-end travel cards. I know could get most of them pretty easily by forking over some big annual fees. But it's not really the cards I want - it's the lifestyle/marketing image associated with the cards.

I'd much rather have boring cards and exciting travel plans than exciting cards and boring travel plans.

I think most (but perhaps not all?) people here would agree. The dream isn't to have cards - it's to have oodles of time and money to spend doing exciting and/or expensive things. The cards are just a practical tool when you have that life.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

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lobbythis
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Postby lobbythis » Wed Oct 29, 2014 10:46 pm

CarefulBuilder14 wrote:I think most (but perhaps not all?) people here would agree. The dream isn't to have cards - it's to have oodles of time and money to spend doing exciting and/or expensive things. The cards are just a practical tool when you have that life.



Exactly. Money/CL is the power, not the card. If it's backed by millions of dollars and more benefits/services than you could ever need, you could just go ahead and slap some Sesame Street, Hello Kitty, Spongebob logos on my card and I'd rock it all day and do whatever the f*ck I want.

Honestly, this would be awesome just to see people laugh and then the look on their faces when a 5, 6, 7 figure charge goes through no problem.

takeshi
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Postby takeshi » Thu Oct 30, 2014 7:57 am

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.

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Vattené
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Postby Vattené » Thu Oct 30, 2014 10:10 am

I completely agree with you, CreditBuilder14. My dream card would be an American Express Mercedes-Benz Platinum card because having one would mean I also have a lifestyle that would allow me to:
  • pay a $475 AF for a credit card without hesitation
  • travel enough and get enough out of the card to outweigh that steep AF; and
  • plan on buying/leasing a new Mercedes in the near future.
That won't be happening though, at least anytime soon.

More realistically and attainably, the Arrival+ is on my radar. I just got an Amex EveryDay, but if I were to get another card this would be the top contender at this point. So far Amex and Discover have been quite good to me and I wouldn't want to just sockdrawer either of them. I am not sure I will be able to justify the AF while putting spending on three different cards, so I may decide it's not worth it and/or go for the watered down Arrival. I am happy with what I have now, though, and expect that to remain the case for a while.

A more important credit goal for me is getting my score closer to your range, PlatinumAMEX94 (and takeshi, too - I believe you've said elsewhere that you've passed 800).
-Vattené
FICO-8:
EX - 827 (4/17) | TU - 812 (4/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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nismoZtuner
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Postby nismoZtuner » Thu Oct 30, 2014 1:53 pm

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 -_-
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



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