What's your favorite card ?

For just about anything you want to get off your chest about credit cards.
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Floppster
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What's your favorite card ?

Postby Floppster » Tue Sep 30, 2008 9:16 pm

I saw already in a thread that BoA apparently makes the most money through CC charges ( http://creditcardforum.com/general-credit-card-talk/147-credit-card-issuers-ranked-receivables.html ) but what is your favorite card and why ? Are the rewards always the most important thing or do you also pay attention to customer service not being send overseas ?
Intellectuals solve problems. Geniuses prevent them.
- Albert Einstein 1879-1955


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fffresh
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Postby fffresh » Tue Sep 30, 2008 9:24 pm

I've always been partial to American Express for two reasons; rewards and good customer service.

Up until recently I had been using the SimplyCash card. I had noticed the review on here last week for the Blue Cash card and have decided to go back to using that. I have had that card for four to five years but had stopped using it. I had never canceled the card however so I only had to pull it out of my sock drawer.

I'll use this one for now due to the rewards only but I have yet to deal with customer service for that card. It may be possible since this is a consumer card they offer different quality customer service than their business credit cards. If they're customer service is equal to that of the SimplyCash I will have no complaints. However if it is inferior I may be tempted to switch back.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Oct 01, 2008 1:26 pm

I'm still using this one as my main card *REVIEW* American Express Simply Cash Business Card - CreditCardForum.com - Credit Card Forum & Message Board, Reviews & Offers

I may eventually us that one fresh mentioned but the thing I like about the Simply Cash is that they give statement credits each month for the cash back so I really feel like I'm actually getting true cashback.

I hate cards that make it tedious to reward points or your have to do them in certain increments only.

I also hate credit cards with bad customer service. I had a card with my bank in the past and the customer service was overseas yet the CSR tried to talk in a southern accent and said she had a southern name and it sounded ridiculous. Think of liquor store worker on the Simpsons trying to do this, because that's what it sounded like!
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

Floppster
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Postby Floppster » Wed Oct 01, 2008 8:17 pm

Even with only 2 answers American Express clearly sticks out of the crowd. By far my favorite as well. My Amex Charge Card is my favorite since I can't get in trouble with it because I have to pay it off by the end of the month. I just love their customer service they where always great to me. I had a question and always got an answer. Well I believe it pays off to treat their employees good. I once met a gentleman who used to work for Amex and he told me only one thing "Even my dog was insured". On top of all that they can speak english and I really like that.

Had a funny experience once with a Credit Card Cust Rep. Told the Cust Rep " Quite frankly....... " and he asked me why he had to be quiet. :confused:
Intellectuals solve problems. Geniuses prevent them.
- Albert Einstein 1879-1955

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Oct 01, 2008 9:26 pm

I just got off the phone for a call that was nearly and hour and a half to replace my HP printer. I had purchased an extended warranty and it took that long of talking with CSR's in India until I was able to finally get it replaced. I don't understand why companies think that outsourcing call centers benefit them. First of all the average call time ends up being 3 to 4 times longer so any cheaper wages they pay would certainly be offset. Second of all it only pisses us off as customers and makes us not want to do business with them again. Many credit card companies haven't seemed to realize this yet either.

Why would the CSR think "Quite frankly..." meant to be quiet. What country was he in? India or Pakistan probably. I've noticed some call centers are being outsourced to Asian countries too. I don't know which are worse because they're both awful.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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Cucumber
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Postby Cucumber » Wed Oct 01, 2008 10:44 pm

Mine was the Citi Dividend and then they changed the 5% cashback on gas and groceries to only 2% :(

I started using Chase Rewards after that and they also changed the 5% to 1% :mad:

I use Amex blue but don't spend enough to get the 5%

:mad:
:mad:
:mad:
:mad:
:mad:
:mad:
OBAMA
Stop talking crap about him!

goober
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Postby goober » Thu Oct 02, 2008 12:27 am

my favorite card i don't qualify for and that is the Amex black card / centurion.

If you asked anyone they would say that is their favorite credit card no doubt.

bikermike
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Postby bikermike » Thu Oct 02, 2008 9:03 pm

HP is famous for horrendous customer service. When my printer died off last year I replaced it with a different make -- vote with your dollars

A better question would be what's your favorite credit card for each type of spending. A card may give the best cash back in one category but not another. Now you need to have at least 3 cards to get the most rewards.

Roni
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Postby Roni » Mon Oct 13, 2008 12:53 am

Hollister credit card.

I don't think I would qualify for a Visa or Mastercard quite yet.

Floppster
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Postby Floppster » Sun Oct 19, 2008 11:05 am

Mogul of Pineapples wrote:I just got off the phone for a call that was nearly and hour and a half to replace my HP printer. I had purchased an extended warranty and it took that long of talking with CSR's in India until I was able to finally get it replaced. I don't understand why companies think that outsourcing call centers benefit them. First of all the average call time ends up being 3 to 4 times longer so any cheaper wages they pay would certainly be offset. Second of all it only pisses us off as customers and makes us not want to do business with them again. Many credit card companies haven't seemed to realize this yet either.

Why would the CSR think "Quite frankly..." meant to be quiet. What country was he in? India or Pakistan probably. I've noticed some call centers are being outsourced to Asian countries too. I don't know which are worse because they're both awful.


I don't like the outsourcing part. My first question when my bank or anyone else offers me a interesting card is " Where is your customer support located ". I don't want to hear the "Well ..." part just tell me in where and I will or will not take the cart. One day we all going to find out that if you outsource customer service you'll pay more in the long term.
Intellectuals solve problems. Geniuses prevent them.
- Albert Einstein 1879-1955



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