What cards do people have/want?

For just about anything you want to get off your chest about credit cards.
28 posts
TXviking
Centurion Member
Centurion Member
 
Posts: 432
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

What cards do people have/want?

Postby TXviking » Tue Apr 26, 2016 9:32 am

Kind of curious what cards people have, and whether you're happy with that mix or planning to make changes.

For myself:
    AmEx BlueSky
    CostCo AmEx (soon to turn into a CitiBank Visa, apparently)
    Chase Sapphire Preferred (Visa Signature)
    Chase Amazon Visa (Visa Signature)
    Discover Open Road

Considering adding a Delta SkyMiles Gold card to the list, but waiting until after a planned RV purchase. Other than that, I'd kind of like a MasterCard again someday, but haven't found any of the current offers sufficiently appealing.


kdm31091
Centurion Member
Centurion Member
 
Posts: 1074
Joined: Sat Feb 21, 2015 3:35 pm
Location: Claymont, DE

Re: What cards do people have/want?

Postby kdm31091 » Tue Apr 26, 2016 10:39 am

Have a BOA Cash Rewards, the wildlife version. Cash+ from US Bank. Cashforward from Barclay's. Discover IT. A Disney Visa that I'm AU on. A double cash that doesn't get used much and will probably be closed.

I would really like to see a great dining card come along, but nothing has. Everything has caveats that I don't like (Marvel redeems the points instantly; AARP is...well, AARP branded, Costco only pays out once a year, etc...yes I'm picky).

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4447
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: What cards do people have/want?

Postby CarefulBuilder14 » Tue Apr 26, 2016 12:25 pm

I'm pretty much at the point of opportunistic bonus hunting. Possible permanent/semi-permanent additions I might make would be Wyndham or Prestige.

Wyndham is my seventh hotel loyalty program, and the only one in which I don't have points or semi-meaningful status. I don't know if I'd want to stay in most of their hotels, but the award structure does look attractive for redemptions at their nicer hotels. I could earn 2x points on all purchases and get probably 1.6 cpp. I base that on a 15k point room in NYC at a moderately busy time when a Holiday Inn might run $250 with tax. A promo (signup bonus and/or renewal points) could get me to apply. I'd be getting an effective 3.2% earn rate, but for now I have plenty of other hotel options, and a renewal bonus (15k) worth a free night anywhere is a lot more useful than 6k points I can't do much with until I spend another $4,500.

Prestige offers a lot in terms of both rewards and perks. Most of the ones I want, though, I already get between Amex Platinum, CSP, and AA Platinum. It would be great to have it all on one card, but Citi's not had great customer service, and I'm not sure how involved I want to get with their transfer partners' award systems.
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

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 12:44 pm

I have:
    1. Discover It
    2. Chase Freedom
    3. B of A Cash Rewards
    4. Citi Double Cash
    5. Target Red Card Store Card
    6. Chase Sapphire Preferred
    7. US Bank Rewards

I'm very happy with 1-5 and plan to keep them indefinitely. I'm just not that happy with Citi as a company though. I love the DC card and absolutely won't get rid of it as long as it remains the same, but if it ever gets nerfed it would probably be quick to go.

However, I only got the CSP for the attractive $550 bonus offer ($500 for spending $4,000 in first 3 months + $50 for adding an AU). I'm planning to keep it two years then dump it. I don't usually do AF cards at all, but it's waived the first year and I'll pay it the second year just to avoid looking like a churner then dump it. Should still come out $455 ahead in bonuses plus regular spending cash back. It's definitely not a card I want long-term though since I can get 2% with the DC on dining (and everything else) without an AF.

The US Bank Rewards card is also perennially on the chopping block. It's really a subpar rewards card. I just haven't gotten rid of it yet since it doesn't have an AF and isn't really a hassle to log into once a week and keep an eye on. I'm completely satisfied with US Bank as a company and on the few times I've had occasion to call them have had a pleasant experience. LOL, if they annoyed me like Citi does or Capital One used to, I'd have definitely gotten rid of it by now. I use it sometimes for online purchases if I'm concerned there could be fraud or any other security issue. I'll definitely dump it before adding any more.

As far as adding new cards goes though there's not too many I'm overly interested in. I won't be adding any more for at least a year or more while I wait for my new CSP to age up. At that point I may add the Amex BCE to plump up my grocery rewards a bit. About a year or so after that I may perhaps add the AARP to get more rewards for dining out. However, both those cards would take a back seat to a more appealing new rewards card or perhaps just a very nice signup bonus.

I don't really consider myself a churner since I add cards so slowly and keep them for at least a couple of years, but I'm not above signing up for something once a year to get a nice bonus.

kdm31091 wrote:I would really like to see a great dining card come along, but nothing has. Everything has caveats that I don't like (Marvel redeems the points instantly; AARP is...well, AARP branded, Costco only pays out once a year, etc...yes I'm picky).


LOL, yeah I agree. The AARP card would be more appealing if it weren't AARP branded :ppp

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4447
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: What cards do people have/want?

Postby CarefulBuilder14 » Tue Apr 26, 2016 1:16 pm

Kevin86475391 wrote:However, I only got the CSP for the attractive $550 bonus offer ($500 for spending $4,000 in first 3 months + $50 for adding an AU). I'm planning to keep it two years then dump it. I don't usually do AF cards at all, but it's waived the first year and I'll pay it the second year just to avoid looking like a churner then dump it. Should still come out $455 ahead in bonuses plus regular spending cash back. It's definitely not a card I want long-term though since I can get 2% with the DC on dining (and everything else) without an AF.

The US Bank Rewards card is also perennially on the chopping block. It's really a subpar rewards card. I just haven't gotten rid of it yet since it doesn't have an AF and isn't really a hassle to log into once a week and keep an eye on. I'm completely satisfied with US Bank as a company and on the few times I've had occasion to call them have had a pleasant experience. LOL, if they annoyed me like Citi does or Capital One used to, I'd have definitely gotten rid of it by now. I use it sometimes for online purchases if I'm concerned there could be fraud or any other security issue. I'll definitely dump it before adding any more.

I get the whole "second year" thing, and understand why CSP would go after that. It's really for transfer partners and car rentals, and it sounds like you either don't travel or bother with loyalty programs.

Does US Bank offer activity alerts? You might not have to log in every week if you can have them email you every time there's a transaction on the card. I get an email when anything happens on my Brooks Brothers account.
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

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1051
Joined: Mon Oct 19, 2015 2:08 pm

Re: What cards do people have/want?

Postby Tubpbs » Tue Apr 26, 2016 1:25 pm

Kevin86475391 wrote:I have:
    1. Discover It
    2. Chase Freedom
    3. B of A Cash Rewards
    4. Citi Double Cash
    5. Target Red Card Store Card
    6. Chase Sapphire Preferred
    7. US Bank Rewards

I'm very happy with 1-5 and plan to keep them indefinitely. I'm just not that happy with Citi as a company though. I love the DC card and absolutely won't get rid of it as long as it remains the same, but if it ever gets nerfed it would probably be quick to go.

However, I only got the CSP for the attractive $550 bonus offer ($500 for spending $4,000 in first 3 months + $50 for adding an AU). I'm planning to keep it two years then dump it. I don't usually do AF cards at all, but it's waived the first year and I'll pay it the second year just to avoid looking like a churner then dump it. Should still come out $455 ahead in bonuses plus regular spending cash back. It's definitely not a card I want long-term though since I can get 2% with the DC on dining (and everything else) without an AF.

The US Bank Rewards card is also perennially on the chopping block. It's really a subpar rewards card. I just haven't gotten rid of it yet since it doesn't have an AF and isn't really a hassle to log into once a week and keep an eye on. I'm completely satisfied with US Bank as a company and on the few times I've had occasion to call them have had a pleasant experience. LOL, if they annoyed me like Citi does or Capital One used to, I'd have definitely gotten rid of it by now. I use it sometimes for online purchases if I'm concerned there could be fraud or any other security issue. I'll definitely dump it before adding any more.

As far as adding new cards goes though there's not too many I'm overly interested in. I won't be adding any more for at least a year or more while I wait for my new CSP to age up. At that point I may add the Amex BCE to plump up my grocery rewards a bit. About a year or so after that I may perhaps add the AARP to get more rewards for dining out. However, both those cards would take a back seat to a more appealing new rewards card or perhaps just a very nice signup bonus.

I don't really consider myself a churner since I add cards so slowly and keep them for at least a couple of years, but I'm not above signing up for something once a year to get a nice bonus.

kdm31091 wrote:I would really like to see a great dining card come along, but nothing has. Everything has caveats that I don't like (Marvel redeems the points instantly; AARP is...well, AARP branded, Costco only pays out once a year, etc...yes I'm picky).


LOL, yeah I agree. The AARP card would be more appealing if it weren't AARP branded :ppp


What was your unpleasant experience with Citi?

Same question to CarefulBuilder.

I'm curious.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4447
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: What cards do people have/want?

Postby CarefulBuilder14 » Tue Apr 26, 2016 1:34 pm

Tubpbs wrote:What was your unpleasant experience with Citi?

Same question to CarefulBuilder.

I'm curious.

Various shenanigans and misinformation around card shipping and claiming mail was returned to them as undeliverable (when it just hadn't reached me yet).
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

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 1:46 pm

CarefulBuilder14 wrote:
Does US Bank offer activity alerts? You might not have to log in every week if you can have them email you every time there's a transaction on the card. I get an email when anything happens on my Brooks Brothers account.



I don't think they offer alerts, one thing they do have which is probably the only nice thing on that card is a free credit check.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4447
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: What cards do people have/want?

Postby CarefulBuilder14 » Tue Apr 26, 2016 1:52 pm

macuserman wrote:
CarefulBuilder14 wrote:
Does US Bank offer activity alerts? You might not have to log in every week if you can have them email you every time there's a transaction on the card. I get an email when anything happens on my Brooks Brothers account.



I don't think they offer alerts, one thing they do have which is probably the only nice thing on that card is a free credit check.

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

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 1:55 pm

CarefulBuilder14 wrote:Does US Bank offer activity alerts? You might not have to log in every week if you can have them email you every time there's a transaction on the card. I get an email when anything happens on my Brooks Brothers account.


I'm not sure if they do. That's a great idea, but it's really not a hassle to log in. I do it at the same time I log into all my other accounts.

Tubpbs wrote:
What was your unpleasant experience with Citi?



Customer service and tech issues. Years ago I had a Citi bank account that I closed. It was long closed before I opened the credit card account, but somehow they still ended up getting linked together. But since the deposit account was closed every time I'd try to login - with the new info I'd just set up for the credit card account - it would give me an error message about the account not existing. So I called customer service and they just didn't really know what was going on (granted it was weird), and I ended up having to spend like an hour on the phone getting bounced around from person-to-person and department-to-department. Eventually it got resolved enough to allow me to login in, but I still have to go through an extra rigamarole to do it. I can't login through their main site because it still automatically thinks I'm trying to log into my closed deposit account. Instead I have to go directly to their credit card login...yet when it signs me out, it takes me back to the home page, NOT the credit card login page. So next time I have to go back to the credit card login page again. It's really not that bad, but it's an extra little annoyance and it's just absurd that the issue occurred to begin with.

I've called a few other times for general inquires and they just never really seem on the ball. I called once a few months ago after being notified that they were replacing my card even though it was no where near the expiration date to find out why. I wanted to make sure there wasn't fraud or a security breach. The CSR kept me on hold for a long time and when he finally came back on the best answer he had was, "Oh, uh, looks like we're updating the plastic." LOL, updating the plastic. Thank god, I'd hate to have out-of-date plastic. It turns out the real reason was because they were auto upgrading my card to a WEMC. It was just silly that that information wasn't available to the CSR.

I also just find their site generally less user friendly than most bank sites, and since I do most of my business online that's a big deal.



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 3 guests