Rank the card companies - your opinion

For just about anything you want to get off your chest about credit cards.
American
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Postby American » Thu Jul 19, 2012 10:34 pm

They're soooo bad. They try so hard to be below average. They really, really don't want to work with you on anything.
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k


Jooxi
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Postby Jooxi » Fri Jul 20, 2012 3:40 pm

I currently have a Secured card from Capitol One. $275 limit after 8 months - never raised. I don't know if they will ever raise it.

MemberSince99
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Postby MemberSince99 » Fri Jul 20, 2012 3:42 pm

Sure they will - if you put money money on it. Otherwise, probably not as long as you live.

DavidNY
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Postby DavidNY » Fri Jul 20, 2012 10:00 pm

Is $275 a record for a low CLI? I think BofA's secured minimum is $500.

Jooxi
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Postby Jooxi » Sat Jul 21, 2012 8:50 pm

It's not the record. Originally it was a $200 CLI - I sent in $75 more to raise the limit.

A bit of a stupid move on my part because they may figure if I want a higher limit, I will just pay for it.

When I applied for the card, it said they did periodic review and could raise the limits occasionally. When I ask them this though, they say I am not eligible. I pay my balance in full every month, no late payments.

jlam572
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Postby jlam572 » Sun Aug 05, 2012 3:01 am

I agree with billionaire. Id put BOA at the bottom of your list. Which is sad cuz my father is one of their VPs *facepalm*
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

DavidNY
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Postby DavidNY » Tue Aug 07, 2012 11:52 am

jlam572 wrote:I agree with billionaire. Id put BOA at the bottom of your list.


Are we talking about BofA in general or the FIA subsidiary? I've had no issues with FIA, they've offered good service (American agents and nice CLIs over the years) for my BofA card, which I've had for nearly a decade. The Fidelity cards are rookies in my wallet but so far I've been pleased.

I would have to put Capital One at the bottom of my list.

jeffysdad
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Postby jeffysdad » Tue Aug 07, 2012 12:13 pm

What DavidNY said.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

MemberSince99
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Postby MemberSince99 » Tue Aug 07, 2012 6:08 pm

FNBO just made it to the top of my "sucks" list. Congratulations FNBO!

How did they earn that prestigious award? They just sent me an application for a secured credit card. With my scores and cards, what use on this earth would i have for a product like that?

What a bunch of dolts. They couldn't have insulted me more if they'd tried, given that I had a 5600 limit Amex card from them a few months ago I cancelled when I got the real thing.

FNBO has made my blacklist, and from now on I'll throw away their dopey come ons without reading them.

lennyj17
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Postby lennyj17 » Tue Aug 07, 2012 8:33 pm

IMO the 3 best all around Cards are...

1/2 AMEX, Discover...Both have top notch CS...but the Cards themselves have flaws the other makes up for, it really comes down to preference. I found both have about the same credit standards as the other meaning if you get approved for one you probably can for the other and vice verse and same for decline if one declines you don't bother applying for the other.

3 Chase....I have 3 cards through Chase, never a CS issue, but I hate the Hard Pulls on CLI and the reluctance to ever Auto CLI someone.


Citi offers some good cards and rewards, but their outsourcing of CS tanks them.....But I love my Forward card.

I WILL NEVER DEAL WITH:

BofA - Had my Checking and Saving with them, will never do business with those crooks again.
Captial One - Cards are BS, CS is outsourced, Hard Pull for CLI, No Auto CLI ever
Well Fargo - Too bare bones



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