2013 Chase Platinum Card

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doug_liffen
 
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2013 Chase Platinum Card

Postby doug_liffen » Mon Jun 24, 2013 5:21 pm

Many years ago I had a credit card from Chase (back then it was called Chase Manhattan) that was a Platinum Visa card. I cancelled it after paying it off.

Today I was looking on their website to re-apply for a Chase Platinum but can't find it listed. It was a good card that I wouldn't mind having again now that I am debt free. How can I get it?


im_mr_awesome
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Postby im_mr_awesome » Mon Jun 24, 2013 6:43 pm

Chase, as well as most lenders, changes their lending portfolio constantly. Some companies, like American Express, maintain certain cards because of popularity or for historical reasons. One example is the American Express Green Card. This was their first charge card and is still in their portfolio because it's popular.

A simple Platinum card, on the other hand, has undoubtedly been surpassed in popularity by rewards cards like the Freedom, Sapphire, and Ink cards.

If you want a comparable no-fees, no-rewards card that can have a high limit and low APR, check out the Chase Slate card. It's a solid card for those who just want a no-frills credit card. Assuming you had some debt in the past, this card will also help you to stay out of debt with its management features, though I honestly don't know how good they are, as I don't have this card.

One good thing is the Slate card is available with low starting limits, such as $500. This can help you to rebuild your credit with a top-tier lender, as long as you have a good enough credit score and history to support a prime card.

If you're determined to have a no-frills Platinum card, US Bank does offer one and is advertised as having a remarkably low APR. I'd go with Chase though, because US Bank's online banking is a nightmare.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
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doug_liffen
 
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Postby doug_liffen » Wed Jun 26, 2013 12:05 pm

Thank you. When you say those reward cards have passed a Platinum card in popularity. Does that mean they are more popular or are they actually better cards than the Chase Platinum?

I would like to make sure I have car rental insurance.

MemberSince99
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Postby MemberSince99 » Wed Jun 26, 2013 12:46 pm

I'm really impressed with the well thought out answers you guys give you are really smart people.

Rewards cards are better in that they pay you back where the plain old Platinum doesn't. Most cards these days beyond your basic starter cards are rewards cards. I think you iwll enjoy getting cash back or gift cards/etc just for using the card. Hard to beat it

Kripler68
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Postby Kripler68 » Wed Jun 26, 2013 2:26 pm

Well i appled for the CSP 2 days ago and got the 7-10 response. i called Chase and they said it was under review.
I asked to talk with the account Manager who put me on hold for 10 minutes and approved me for 7000 on the spot.

Very friendly csr, i like Chase already.

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Z06Biker
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Postby Z06Biker » Wed Jun 26, 2013 4:14 pm

Yeah, Chase CSR are amazing in my experience. Neck and neck with Amex platinum's CSR's.

'Grats on the CSP. It's a great card and is quickly becoming my go-to...
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

dickey1331
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Postby dickey1331 » Wed Jun 26, 2013 6:09 pm

I had the Chase Platinum card but it got switched over to the slate automatically.
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
American Express Blue Cash Preferred $10,000
Chase Sapphire Preferred $6,500
Best Buy $6,000
Chase Freedom $4,500
Zales $4,000
Amazon Prime $4,000

takeshi
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Postby takeshi » Wed Jun 26, 2013 9:42 pm

doug_liffen wrote:When you say those reward cards have passed a Platinum card in popularity. Does that mean they are more popular or are they actually better cards than the Chase Platinum?

Popular always means just popular. Better is always subjective. Depends on what you're looking for from a card.

Kripler68
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Postby Kripler68 » Wed Jun 26, 2013 10:19 pm

Other than a good balance transfer card, is Slate any good?

rockyrock
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Postby rockyrock » Thu Jun 27, 2013 2:46 am

doug_liffen wrote:Thank you. When you say those reward cards have passed a Platinum card in popularity. Does that mean they are more popular or are they actually better cards than the Chase Platinum?

I would like to make sure I have car rental insurance.


Visa cards are tiered: Classic, Gold, Platinum, Signature, etc. The benefits vary depending on the tier.

Before rewards were popular, cards used to be marketed by their tier. Now most cards are reward based and automatically at the Signature level provided you qualify. Visa pushes the Signature (in the US) because they collect more fees from it versus other tiers. Signature offers several benefits over other tiers--benefits that may or may not be useful to you.

Both of my credit unions as well as the smaller local banks still offer several options in the Gold and Platinum category.

As far as I can tell, everything Gold or higher offers rental insurance.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC



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