What cards do people have/want?

For just about anything you want to get off your chest about credit cards.
macuserman
Green Member
Green Member
 
Posts: 17
Joined: Tue Apr 12, 2016 11:13 am

Re: What cards do people have/want?

Postby macuserman » Tue Apr 26, 2016 2:19 pm

CarefulBuilder14 wrote:You mean a FICO score? Notifications about credit report changes? Or a "check" as in BT or cash advance?


I'm not 100% sure how all the credit stuff works at this point, but if you click the view my credit score link when logged in on US Bank it takes you to a http://www.creditviewdashboard.com where you have to enter all your info, then it lets you view your transunion score, has a simulator for what will impact it, your history all that jazz. Kind of like myfico.com, except free and it only does transunion.

That help? :)


Kevin86475391
Centurion Member
Centurion Member
 
Posts: 241
Joined: Wed Feb 18, 2015 9:04 pm
Location: Texas

Re: What cards do people have/want?

Postby Kevin86475391 » Tue Apr 26, 2016 2:57 pm

macuserman wrote:
CarefulBuilder14 wrote:You mean a FICO score? Notifications about credit report changes? Or a "check" as in BT or cash advance?


I'm not 100% sure how all the credit stuff works at this point, but if you click the view my credit score link when logged in on US Bank it takes you to a http://www.creditviewdashboard.com where you have to enter all your info, then it lets you view your transunion score, has a simulator for what will impact it, your history all that jazz. Kind of like myfico.com, except free and it only does transunion.

That help? :)


That is a cool feature. It's a VantageScore rather than a Fico score, however. It can still be useful to track changes and provide general info, but most lenders use the Fico 8 scoring model rather than the VantageScore model.

macuserman
Green Member
Green Member
 
Posts: 17
Joined: Tue Apr 12, 2016 11:13 am

Re: What cards do people have/want?

Postby macuserman » Tue Apr 26, 2016 3:29 pm

Kevin86475391 wrote:That is a cool feature. It's a VantageScore rather than a Fico score, however. It can still be useful to track changes and provide general info, but most lenders use the Fico 8 scoring model rather than the VantageScore model.



Ah ok I just had to google VantageScore, I hadn't heard of it before. Well if you are searching for some reason to like the rewards card and you are stuck like me, it maybe it helps I dunno.

TXviking
Centurion Member
Centurion Member
 
Posts: 364
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Re: What cards do people have/want?

Postby TXviking » Tue Apr 26, 2016 3:41 pm

I've had similar experiences with Citi. Not horrible, but frustrating enough that I eventually got rid of all my cards with them (which weren't very useful to me anyway) and haven't bothered applying for any of their newer products.

It's been long enough since I had a CitiBank account that I don't remember all the issues, but among the ones I do remember:

- Having to use a different login on their site because my usual username was "taken" by a previous account I'd had with them
- "Upgrading" my card to one I wasn't interested in without asking first
- Giving me hassles over my citizenship status (I was legally in the US and had a valid SSN, but at the time, I was on a student visa)
- Misleading info from CSRs on several occassions, and generally arrogant CSRs
- One case of nerfing that I remember greatly annoyed me, although I can't remember the details anymore :ppp :rolleyes:

I'm about to have a CitiBank card again because of the Costco-AmEx divorce. I'm really hoping they've improved, but it doesn't sound like it. :(

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1000
Joined: Mon Oct 19, 2015 2:08 pm

Re: What cards do people have/want?

Postby Tubpbs » Tue Apr 26, 2016 3:56 pm

I've been a customer for 7+ years. I've had some regular type issues anyone will have with any company, but nothing particularly bad. I wouldn't say any of the things listed so far would make me change my mind about the bank either. While inconvenient, they're not really a big deal and, login issues aside, all things that happen at all banks in my opinion.

I like Citi. CSRs sometimes don't know what's going on, but the more time that passes and the more experiences I have, the more I see that almost everywhere...

I find it odd that people say their CS is atrocious (not specifically you guys because you just basically said it was less than stellar) but don't really cite real examples. Maybe I'm too patient and generous with them, but I don't think so.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

TXviking
Centurion Member
Centurion Member
 
Posts: 364
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Re: What cards do people have/want?

Postby TXviking » Tue Apr 26, 2016 4:04 pm

Tubpbs wrote:I've been a customer for 7+ years. I've had some regular type issues anyone will have with any company, but nothing particularly bad. I wouldn't say any of the things listed so far would make me change my mind about the bank either. While inconvenient, they're not really a big deal and, login issues aside, all things that happen at all banks in my opinion.

I like Citi. CSRs sometimes don't know what's going on, but the more time that passes and the more experiences I have, the more I see that almost everywhere...

I find it odd that people say their CS is atrocious (not specifically you guys because you just basically said it was less than stellar) but don't really cite real examples. Maybe I'm too patient and generous with them, but I don't think so.


Everyone's experience is different. I've been partial to Chase in later years, not because they're a fantastic bank, but because they've mostly treated me right. Still, I don't have my mortgage with Chase, for example, because they were not competitive on interest rates. And I know there are people out there who have had a horrible time with Chase. Some of it is just luck of the draw.

Citi never did anything to me that was so atrocious as to be newsworthy. It was more a case of a number of little annoyances, including little things I took offense at (like being treated as a suspected criminal because I was born in another country,) plus their card portfolio at the time being nothing to write home about, that made me decide not to deal with them anymore. But I'll give them another chance with the Costco card. Maybe things have changed.

I won't waste a company's time with frivolous complaints or empty threats of lawsuits. However, if I feel I've been wronged, I will tell them so, I will tell them why, and I'll give them an opportunity to make it right. If they do, swell, forgive and forget. If they don't, I generally stop doing business with them. There are too many fish in the sea to keep giving business to a company who doesn't treat customers right, IMHO.

If I applied this policy based on anecdotal evidence from the Internet, I wouldn't be able to do business with anybody. I'm not that extreme. I base it on my own personal experiences. So far, Wells Fargo is the only credit card issuer on my permanent blacklist, but there are others I'm skeptical of based on past experiences that were "less than stellar", as you put it. Banks on my "skeptical list", however, can redeem themselves.

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1000
Joined: Mon Oct 19, 2015 2:08 pm

Re: What cards do people have/want?

Postby Tubpbs » Tue Apr 26, 2016 4:40 pm

TXviking wrote:
Tubpbs wrote:I've been a customer for 7+ years. I've had some regular type issues anyone will have with any company, but nothing particularly bad. I wouldn't say any of the things listed so far would make me change my mind about the bank either. While inconvenient, they're not really a big deal and, login issues aside, all things that happen at all banks in my opinion.

I like Citi. CSRs sometimes don't know what's going on, but the more time that passes and the more experiences I have, the more I see that almost everywhere...

I find it odd that people say their CS is atrocious (not specifically you guys because you just basically said it was less than stellar) but don't really cite real examples. Maybe I'm too patient and generous with them, but I don't think so.


Everyone's experience is different. I've been partial to Chase in later years, not because they're a fantastic bank, but because they've mostly treated me right. Still, I don't have my mortgage with Chase, for example, because they were not competitive on interest rates. And I know there are people out there who have had a horrible time with Chase. Some of it is just luck of the draw.

Citi never did anything to me that was so atrocious as to be newsworthy. It was more a case of a number of little annoyances, including little things I took offense at (like being treated as a suspected criminal because I was born in another country,) plus their card portfolio at the time being nothing to write home about, that made me decide not to deal with them anymore. But I'll give them another chance with the Costco card. Maybe things have changed.

I won't waste a company's time with frivolous complaints or empty threats of lawsuits. However, if I feel I've been wronged, I will tell them so, I will tell them why, and I'll give them an opportunity to make it right. If they do, swell, forgive and forget. If they don't, I generally stop doing business with them. There are too many fish in the sea to keep giving business to a company who doesn't treat customers right, IMHO.

If I applied this policy based on anecdotal evidence from the Internet, I wouldn't be able to do business with anybody. I'm not that extreme. I base it on my own personal experiences. So far, Wells Fargo is the only credit card issuer on my permanent blacklist, but there are others I'm skeptical of based on past experiences that were "less than stellar", as you put it. Banks on my "skeptical list", however, can redeem themselves.


Not to excuse anything, but was the excessive caution about your citizenship in close proximity to the stock market crash and bail out? If so, that is likely the cause. The rules changed and things got very tight with anyone opening accounts let alone a citizen of another country. As I understand it, Citi had a particularly strict set of rules applied to them. Obviously, this was a result of their dog shit behavior and illegal activity, but still may be the reason for the behavior.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

TXviking
Centurion Member
Centurion Member
 
Posts: 364
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Re: What cards do people have/want?

Postby TXviking » Tue Apr 26, 2016 6:18 pm

Tubpbs wrote:Not to excuse anything, but was the excessive caution about your citizenship in close proximity to the stock market crash and bail out? If so, that is likely the cause. The rules changed and things got very tight with anyone opening accounts let alone a citizen of another country. As I understand it, Citi had a particularly strict set of rules applied to them. Obviously, this was a result of their dog shit behavior and illegal activity, but still may be the reason for the behavior.


Nope. Years before then, like late 1990s. But I was happy to simplify that for them by not being a customer at that time.

By the way, "dog shit behavior and illegal activity" are two more reasons they don't deserve my business. (Unfortunately, that's par for the course. There's nobody left who believes in playing by the rules.)

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1000
Joined: Mon Oct 19, 2015 2:08 pm

Re: What cards do people have/want?

Postby Tubpbs » Tue Apr 26, 2016 6:29 pm

TXviking wrote:
Tubpbs wrote:Not to excuse anything, but was the excessive caution about your citizenship in close proximity to the stock market crash and bail out? If so, that is likely the cause. The rules changed and things got very tight with anyone opening accounts let alone a citizen of another country. As I understand it, Citi had a particularly strict set of rules applied to them. Obviously, this was a result of their dog shit behavior and illegal activity, but still may be the reason for the behavior.


Nope. Years before then, like late 1990s. But I was happy to simplify that for them by not being a customer at that time.

By the way, "dog shit behavior and illegal activity" are two more reasons they don't deserve my business. (Unfortunately, that's par for the course. There's nobody left who believes in playing by the rules.)


And I suppose that's part of my point. They're all the same shits.

Anyway, sorry for hijacking the thread everyone with Citi CS nonsense

My cards are all in my signature.

I suppose wants beyond that are potentially a few airline cards for airlines that are prevalent in my area for the sign up bonuses and free checked bags and other perks for the airline.

Beyond that, I'm pretty set with what I have right now.

Let's see what they come out with next. Maybe my position will change.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1000
Joined: Mon Oct 19, 2015 2:08 pm

Re: What cards do people have/want?

Postby Tubpbs » Tue Apr 26, 2016 6:32 pm

...and maybe some hotel cards for similar reasons. Perks, status, free nights etc.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests