- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
1. Good customer service like what I've gotten from Amex, Chase, and Discover
2. Rewards, sign up offers and other incentives to get me to use the cards
3. Credit lines that grow as my credit profile improves and also so I can stay under 10% utilization each month overall. That's why I was getting so mad about Discover earlier but have just realized that it's silly for me to expect a lender to bend over backwards like that if they don't think I'm profitable enough for them. If I find that a certain card isn't growing or performing the way I had anticipated, I either just SD or close it altogether and don't bother with it anymore.
4. Relatively low APRs like what I have with my Chase, BoA and Amex ED cards.
Backdating I don't know where I'd put on this list really. It would be pretty nice to have though. Also I personally like being able to do business with multiple issuers and having good relationships with them and having alternatives ready, especially considering that not everyone takes Discover or Amex at all.
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