What Is The Best Credit Card Company In 2013?

For just about anything you want to get off your chest about credit cards.
HookEmHorns
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Location: Dallas/Austin

Postby HookEmHorns » Wed May 15, 2013 6:28 pm

Totally biased, but, I'm going with Discover, AMEX and Chase as the best, in no particular order. Why? They all accepted me the first time around and I've had good CS with them all thus far.
AMEX PRG~1/14--backdated to 2012
AMEX BCE~6/13--backdated to 2012
Chase Freedom~5/13
Discover IT ~12/12

:cool:


KrazyNick
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Location: South Carolina

Postby KrazyNick » Wed May 15, 2013 6:28 pm

I haven't experienced Amex yet, I'm very happy with Discovers U.S. based customer service but they are tight with the credit limits. I also think Chase is up there.
Bank of America Travel Rewards Visa Signature - 5k (2/10)
Capital One Mastercard- 2.5k (1/11)
Chase Freedom- 5k (4/11)
Discover It- 3k (5/11)
Chase Amazon Visa- 2k (5/13)
American Express Blue Cash Everyday- 8k (5/13)

Bank of America WorldPoints Rewards for Business- 18k (11/11)

AMEXPlatino86
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Postby AMEXPlatino86 » Wed May 15, 2013 6:43 pm

From all of the cards that I've dealt with:

1. AMEX
2. Barclays
3. Wells Fargo
4. Bank of America

I have yet to deal with Chase. But they are definitely good with the banking side.
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752

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Calipso
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Postby Calipso » Wed May 15, 2013 7:55 pm

I'm a fan of Amex and Discover above all others.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

benhollberg
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Location: Salt Lake City

Postby benhollberg » Thu May 16, 2013 10:18 am

I have two American Express cards and two Visas. I think the best is American Express, they approved me at 18 and also have high credit limits. I am 22 and have charged over $30k during one month multiple times and never had a problem with it declining. I don't do a lot of Visa transactions, one card through Chase and that customer service is great, just like AMEX. Other through my local credit union and I don't even want to talk about them.
American Express Platinum Card
American Express TrueEarnings Card from Costco
Marriott Rewards Premier Visa Signature Card
Chase Sapphire Preferred World MasterCard
Discover It

DoingHomework
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Postby DoingHomework » Thu May 16, 2013 12:40 pm

If you live in the USA why would you accept CS from someone outside the country? I get US-based customer service for everything. If you don't, switch!

Sevenfeet
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Postby Sevenfeet » Thu May 16, 2013 4:17 pm

DoingHomework wrote:If you live in the USA why would you accept CS from someone outside the country? I get US-based customer service for everything. If you don't, switch!


That's a bit jingoistic. Yes, we'd all like people who speak understandable English. But I work with too many people in my line of work who either are immigrants or recent citizens to dismiss them. I have over 20 years professional experience dealing with call centers in one way shape or form. I care more for customer service processes that treat customers well. You can have a call center in Iowa that still treats people poorly as a matter of policy. Don't confuse the two.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

Bksuper
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Postby Bksuper » Thu May 16, 2013 4:43 pm

Sevenfeet wrote:That's a bit jingoistic. Yes, we'd all like people who speak understandable English. But I work with too many people in my line of work who either are immigrants or recent citizens to dismiss them. I have over 20 years professional experience dealing with call centers in one way shape or form. I care more for customer service processes that treat customers well. You can have a call center in Iowa that still treats people poorly as a matter of policy. Don't confuse the two.

So true! My worst CS experiences have been from call centers in the US!
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Thu May 16, 2013 4:45 pm

Chase to me is the best right now. They have the customer service, perks, products and credit limits that rival and even beat Amex. I'm a very happy Chase customer and would be happy to give them more of my business.

Discover would be second if they weren't so stingy with limits. I even tried to move available credit between cards, and they said no. ShopDiscover is awesome though, and so is the fact that their rewards are available as soon as the statement is.

Penfed has been excellent with rewards and customer service. Reward points with them are available even before the statement closes. That's awesome.

Citi has been pretty accommodating and answers all of my questions quickly. I received decent limits with them. Rewards post pretty quickly.

American express takes forever to post rewards. They capped their best card. Their charge cards are only good if you are spending money on the perks that they give you for free. Amex has been living off of their reputation for a while. The fact that they don't have a rewards mall is ridiculous. They don't have those twitter sync offers often enough to make up for that.

Bank of America is generous with their limits. Their customer service has been ok. Their rewards are just so so.

US Bank nerfed the manure out of the Cash +. That was once the best overall card. Their customer service has been ok. Reward generate quickly. The bonus card for $25 takes forever to arrive.


My list:

Chase
Penfed
Discover
Citi
American Express
US Bank
Bank of America
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

DoingHomework
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Location: Arizona

Postby DoingHomework » Thu May 16, 2013 5:52 pm

Sevenfeet wrote:That's a bit jingoistic. Yes, we'd all like people who speak understandable English. But I work with too many people in my line of work who either are immigrants or recent citizens to dismiss them. I have over 20 years professional experience dealing with call centers in one way shape or form. I care more for customer service processes that treat customers well. You can have a call center in Iowa that still treats people poorly as a matter of policy. Don't confuse the two.


Yes, I agree, that is true. But my point was not that there is anything wrong with foreigners. My point was that when a company outsources CS overseas it is almost always to save money. These call centers usually stick to a script and have no commitment to actually providing service. You are absolutely correct that the same thing can happen with a call center in Iowa. But in my experience it is far easier to get a US support person to deviate from the script when necessary.

A couple of examples: once an airline billed me three times in rapid succession for a ticket bought of their website. There was only 1 ticket issued but three charges, clearly a mistake. I immediately called customer service and got an idiot in India that would do nothing about it then had the gall to illegally charge me $35 for his "help". I demanded to speak to his manager. Let's just say after 2 hours on the phone with the manager I got no where. So, I filed a credit card dispute against the airline and also a complaint with the US Department of Transportation. (I found specific statutes and rules they had violated). I got a call from a vice president of the airline a few days later, a full refund, and a written apology. I now also get directed to the US-support and have never had this kind of problem again.

I have nothing against people in India. My objection is to any company that uses such moronic policies that keep employees to a script when it is utterly obvious that they have screwed up.

In another case my internet service would always die after a rain. The phone company used support overseas and they would not even consider the relationship with the weather stating "we can only consider the data we have access to." When I found out that my state regulations require them to provide local support if asked, well, that was huge. I now demand support from my state. It usually takes 2-3 tries. I just repeat "let me talk with someone in Arizona" in response to whatever they say. It works. The local support people always know when something is screwed up with the system and they quickly go off script and actually focus on solving the problem rather than on dismissing the call and doing nothing.

Honestly, you can believe what you wish, and I personally think competent people are found everywhere. But there are reasons why all high end service is US-based. When you have premium credit cards, buy premium business services, reach elite status on airlines, hotels, or whatever, you almost always get support from within the US.



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