One common thread from my cards

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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One common thread from my cards

Postby MemberSince99 » Sat Nov 24, 2012 7:21 am

I've been thinking about what is important to me in having cards, and one thing I've consistently done is kept only those cards with good to great customer service. I can't speak yet about Target, but I know the rest of the cards I have, have excellent customer service because I've called and spoken with them.

In considering which cards to apply for, I seriously think about that and for me it's a top consideration. One of the reasons I never applied for Bank of America is all the posts I've read about the bozos they have in customer service. Life is just too short to deal with that. And it's one of the reasons that even with some prime cards, Capital One will never be seen as a serious company - they have half-trained CSRs with terrible English who obviously read from scripts and have no clue about much of anything. (I hear compared to Bank of America they are great though, which is sad!)

Other than the fact it would 100% guaranteed be a decline, that's what has kept me from applying for Citi lately is the moronic, rude and condescending CS (I've dealt with them in the past and it's a small step above Capital One in my opinion).

Anyone else feel the the same and stick to banks with great CS? The best I've dealt with are Discover, US Bank, Associated, FNBO, Chase and Barclay. Amex was a mixed bag - if you got an American they were good if you got foreign, honestly they would screw up what I was asking for - I wanted to like them but they just screwed up even the simple stuff. Bad, as in very bad as in embarrassing and useless would be Capital One, and GE was subpar as well despite the fact they are GREAT on giving CLIs. Citi is mediocre and you can get all the attitude you ever want I've found.


kcarter609
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Location: VA

Postby kcarter609 » Sat Nov 24, 2012 9:59 am

Discover has the best out of all my cards.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

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Snowman
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Postby Snowman » Sat Nov 24, 2012 10:10 am

I've never had to deal with Citi or BOFA yet, but I have dealt with Discover, and IMO, their CS is top notch.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

Ratfacedudeguy
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Postby Ratfacedudeguy » Sat Nov 24, 2012 11:47 am

Right on the money, man. I think the importance of customer service can be downplayed amongst the forum users, but it really makes the world of difference to me. It would make sense for me to be using my Bank Americard Cash Rewards card for gas to get 3% back while it's out of rotation with the More and the Freedom, but after BofA proved their incompetence to me several times over while dealing with a paltry issue related to my rewards (they stole them from me basically), I just really can't bear to give them my business any longer. If it wasn't my oldest tradeline, it'd be history. In the meantime, I'll gladly hand the swipe fees over to Chase for 2% back on my Amazon card, or even Discover for .25% back on my More, for those two companies have (mostly) consistently provided me the same level of customer service that I would give to others, and I set my personal standards pretty high. But yes, Crapital One, Citi, and BofA's customer service are garbage, so they don't get my business.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13



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