February 2016 Garden Club

For just about anything you want to get off your chest about credit cards.
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[email protected]
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Re: February 2016 Garden Club

Postby [email protected] » Tue Feb 02, 2016 8:28 am

Went online to check my BOA cash rewards card account and the request credit limit increase was showing, (had not shown since last one 3 months ago), so I took a chance and submitted a request to go from $5k to $10k, APPROVED!!! :lift: I started to ask for it to be $7,500, but decided to go for it.
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K


kdm31091
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Re: February 2016 Garden Club

Postby kdm31091 » Tue Feb 02, 2016 3:52 pm

All the Barclay hate on MF cracks me up. I'm not saying they have amazing products as a whole but people act like Barclay is horrible because they dislike people's voluntary aggressive credit seeking...I wish people would take some personal responsibility sometimes

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CarefulBuilder14
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Re: February 2016 Garden Club

Postby CarefulBuilder14 » Tue Feb 02, 2016 4:50 pm

Got my IHG replacement within 48 hours of the fraudulent charge. The new card is darker, less shiny, and has a chip. It definitely has less of the "department store card" look to it.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Nixon
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Re: February 2016 Garden Club

Postby Nixon » Tue Feb 02, 2016 5:05 pm

kdm31091 wrote:All the Barclay hate on MF cracks me up. I'm not saying they have amazing products as a whole but people act like Barclay is horrible because they dislike people's voluntary aggressive credit seeking...I wish people would take some personal responsibility sometimes



Barclaycard isn't all that aggressive to be honest. Read between the lines and you'll see everyone that gets AA from them has something in common.
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CarefulBuilder14
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Re: February 2016 Garden Club

Postby CarefulBuilder14 » Tue Feb 02, 2016 5:14 pm

Nixon wrote:
kdm31091 wrote:All the Barclay hate on MF cracks me up. I'm not saying they have amazing products as a whole but people act like Barclay is horrible because they dislike people's voluntary aggressive credit seeking...I wish people would take some personal responsibility sometimes



Barclaycard isn't all that aggressive to be honest. Read between the lines and you'll see everyone that gets AA from them has something in common.

"Sensitive to inquiries and new accounts" definitely means different things to different people.

Barclaycard gets a bad rap from taking a chance on the sub-650 FICO crowd that many other issuers will simply decline outright.

It's weird how strategic travel bonus hunters are the conservative and cautious ones there.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

kdm31091
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Re: February 2016 Garden Club

Postby kdm31091 » Tue Feb 02, 2016 5:25 pm

Most of the people who get AA from them have many new accounts and inquiries, but they blame Barclay as if it's Barclay's fault. Barclay can conduct business however they see fit and everyone has a right to choose whichever creditor works for them. But if you blame Barclay and continue to seek credit, the hammer will come down elsewhere sooner or later. Barclay isn't the problem.

On another note, the guy w the huge comenity shutdown got his chase freedom signature upgrade and also apped for a banana republic visa since that couldn't possibly wait. It's really sad to see people who truly don't know when to stop.

Kevin86475391
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Re: February 2016 Garden Club

Postby Kevin86475391 » Tue Feb 02, 2016 5:27 pm

[email protected] wrote:Went online to check my BOA cash rewards card account and the request credit limit increase was showing, (had not shown since last one 3 months ago), so I took a chance and submitted a request to go from $5k to $10k, APPROVED!!! :lift: I started to ask for it to be $7,500, but decided to go for it.


Congrats! Way to go!

Nixon wrote:Barclaycard isn't all that aggressive to be honest. Read between the lines and you'll see everyone that gets AA from them has something in common.


I don't have any personal experience with Barclays but it's my general impression that they do legitimately have abysmal customer service, regardless of why one is calling or what type of credit profile they have. I've heard lots of anecdotal horror stories from various sources, including a close friend with great credit who was only calling for a mundane card replacement (not asking for CLI or APR reduction). I've just generally only heard bad things about their rude customer service.

Of course I realize that listening to rumors and anecdotal evidence isn't proof by any means, but in my mind I've sort of lumped them in with Capital One: technically prime lenders with decidedly sub-prime customer service.

Of course on that note I find Citi's customer service and website both sub-par, but I'm still willing to put up with it because I like the DC so much.

Nixon
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Re: February 2016 Garden Club

Postby Nixon » Tue Feb 02, 2016 5:29 pm

CarefulBuilder14 wrote:It's weird how strategic travel bonus hunters are the conservative and cautious ones there.

Not weird at all. The bonus hunters have an aim.

The rest are just throwing darts at a board.
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Ghoshida
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Re: February 2016 Garden Club

Postby Ghoshida » Tue Feb 02, 2016 5:39 pm

Nixon wrote:
CarefulBuilder14 wrote:It's weird how strategic travel bonus hunters are the conservative and cautious ones there.

Not weird at all. The bonus hunters have an aim.

The rest are just throwing darts at a board.


Agreed. It takes more effort to build a profile to get a 50k UR / MR etc bonus than just hitting every single app button.

Right now, I'd probably get almost any regular card (except strictly high-baller cards like Centurion etc.) but I'm not seeing the point. I'll therefore hold on (garden) for another 6 months or so unless some crazy hot limited-period offer comes along. (and no, the Plat doesn't count for me. I can't think of paying $450 even for 100k points.)
AMEX BCE | PRG || Barclaycard Sallie Mae || Capital One QuickSilver | Venture || Chase Freedom | Sapphire Preferred || Citi Dividend || Discover It || UFCU Great Rate || US Bank Cash+ #1 | Cash+ #2 | Club Carlson Plat | REI || Total CL $144.2k + PRG NPSL, not counting AU

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CarefulBuilder14
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Re: February 2016 Garden Club

Postby CarefulBuilder14 » Tue Feb 02, 2016 5:43 pm

Ghoshida wrote:
Nixon wrote:
CarefulBuilder14 wrote:It's weird how strategic travel bonus hunters are the conservative and cautious ones there.

Not weird at all. The bonus hunters have an aim.

The rest are just throwing darts at a board.


Agreed. It takes more effort to build a profile to get a 50k UR / MR etc bonus than just hitting every single app button.

Right now, I'd probably get almost any regular card (except strictly high-baller cards like Centurion etc.) but I'm not seeing the point. I'll therefore hold on (garden) for another 6 months or so unless some crazy hot limited-period offer comes along. (and no, the Plat doesn't count for me. I can't think of paying $450 even for 100k points.)

True. I was thinking more from the view I had when I was newer to credit. If bonus hunters are professional racing drivers, the MF people are driving around in clown cars.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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