What Is The Best Credit Card Company In 2013?

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Z06Biker
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Postby Z06Biker » Thu May 16, 2013 7:17 pm

Excellent points from both Sevenfeet and DoingHomework; reasoning that I don't feel is mutually exclusive. Just variants of the same coin.

DoingHomework wrote: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.


I can only imagine how utterly infuriating this must've been. I've tried the "please let me speak to someone in the US" line before, but have often times received the response, "your call is either routed to Asia, Europe or North America. You've been connected to Asia. I can't connect you to anywhere else." I just hang up and call again.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard


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Z06Biker
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Postby Z06Biker » Thu May 16, 2013 7:18 pm

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.


As much as I love Amex (I have 6 cards with them), I couldn't agree more.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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Snowman
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Postby Snowman » Thu May 16, 2013 8:04 pm

Right now I have cards with American Express, Bank of America, Chase, Citi, and Discover. (I'm going in a alphabetical order, so you will know soon who I think are the better companies.)

1.) American Express- They have been good to me so far, and any issues I have had (I bought my brother a pair of sunglasses a couple of months back and he somehow got a crack on the lens, and I explained to them what happened, and they got it taken care of.) However, I have applied for the BCE once before and I knew their new accounts department was located in India, didn't really want to talk as they I was sure they weren't really going to be able to help me. But they are a good company to do business with IMO.

2.) Bank Of America- Bank of America, I haven't really talked to their CS much. Never really had an issue with them until today. I just wanted to have the statement date changed because it is the day right after my payment due date (but I've already paid that, so no need to pay it again.) They said I couldn't change it, so whatever. Other then that, no issues really.

3. Chase- When I first got approved for my Freedom card a couple of weeks ago, the reps were nothing but pleasant to talk with and they answered my questions as best as they could. I also had a question with my statement and payment dates as It didn't come with my card nor did update, but they promptly replied within an hour, so I give them points for that...lol. So far so good with Chase.

4. Citi- They have been just average. I really don't have any questions for them either, but they always seem willing to help. They've been good in helping me adjusting my statement and payment dates, and they are used for anything I can get points on. Other then that, they are pretty much used card.

5. Discover- Their really stingy with their limits, as has been noted above. It drives me crazy since I've PIF every month and spent nearly 3k on it already, yet I doubt if they will ever give me a CLI. IMO, they have 2nd best CS, after Chase. Good company to be in with as well, and a very friendly and good group of CSR's

So based on these rankings, who is the best? This is a tough one to say, but right now, I would have to say it is a tie between Chase and Discover. Chase has given me my highest initial CL, and have an excellent CS team, while Discover, although stingy with CL's have very good CS as well. So I'm giving the slight edge to Chase....for now.

So that's just my current take based on the cards I have right now.
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.

lennyj17
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Postby lennyj17 » Thu May 16, 2013 8:17 pm

For me it would be:

Discover
Chase
Citi

Discover for their awesome CS and Its in the US....they are hard to get decent CLI from however, always used to get auto CLI until I reached a certain limit then everything has been by request and HP required.

Chase....Good Product Lines, Decent starting Limits, Good Good CS (very close to Discovers). Problem with Chase all CLI for me have required Recons and HP

Citi......Good Product Lines, Very Good Starting Limits, SP CLI's, Auto Increases, Easy as pie to rack up TY points with both TYPreferred and Forward cards.... CS could be better I get decent CS calling during Bus Hours 9-5 EST, but calling outside the Business Day is 99% of the time going to land you with outsourced CS.

Lucky for me I'm not a person that needs CS an awful lot...I prefer to go the Online/Self Servicing route and all 3 have very good Self Servicing via their Online presence... Citi, Discover, Chase rank in that order IMO for depth of their Self Service via Websites.

Never dealt with AMEX so I can't comment, but I hear they have very good CS.



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