Young, single, best card to pair with Forward?

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sakhalin
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Postby sakhalin » Fri Nov 23, 2012 1:52 pm

I HATE Citi's website. It is incredibly glitchy and disorganized after their "updates".
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)


MemberSince99
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Postby MemberSince99 » Fri Nov 23, 2012 4:13 pm

Snowman wrote:99- I applied for the Forward card as well, but I ended up getting approved. I had only one inquiry and that was on Equifax and none on the others so maybe that helped. I can't say anything negative about them because I have been with them for nearly a month...but they've been okay. They're website drives me crazy sometimes though. Discover has the IMHO best website.

I really want a Chase card too though..



You should for sure recon with Chase if they decline you. I had to recon 3 times with them. It really depends on the analyst you get, but if they like you and like what they see they will be more likely to give you a shot. (Common sense I guess, being Captain Obvious here!)

You may be able to get Freedom, I would go for it. Recon with them, unlike Citi they DO have the power to override what the computer says. It's a good bank to get in good with.

Let us know how it goes if you do. Good luck!

agp
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Postby agp » Sat Nov 24, 2012 6:32 pm

spartanhockey wrote:Young, single, best card to pair with Forward?


Since you specified that you single, are you hinting that you want something flashy to pick up women? If so, Amex BCP/BCE won't do the trick. Neither will Chase Freedom. Try Barclay's Visa Black or Chase Sapphire Preferred. The Black has a hefty annual fee of $495, but people have gotten that fee waived. Just call and ask.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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Snowman
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Postby Snowman » Sat Nov 24, 2012 10:22 pm

Hey 99-

I took your advice and I apped for the Chase Freedom Card and the Amex Gold. I did not get approved for the Chase Freedom, however, I do plan on reconning them and see if they will give me the opportunity to join. On my new Amex Gold, I got instantly approved. All my scores from what I have seen and pulled are 720+ but I realize there are factors that the consider. I will talk to them and see what happens.

They do have the power to override the computer? now it looks my like my chances of getting in with them are even better!

And I'll call Monday and update what happens later on.
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.

paparoach429
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Postby paparoach429 » Sun Nov 25, 2012 12:50 am

As with anything some people love things others hate. For me Citi has been nothing but great. I got my first credit card with them with an $1800 limit when I was 18, now its 4k. There website imo is pretty easy to use (maybe I just got used to it since im always on there. I did like Capital Ones website better though) It seems from what Ive read on other boards alot of people say they have a hell of a time getting in with Citi. I guess I should count myself lucky. I want another credit card soon but dont know what to look into since I think so highly of the forward. Maybe ask for a credit increase to 5k in May, or maybe upgrade it to the Simplicity or Thank You? I would like an Amex or a Discover but I dont know how they compare with Citi's 5 points on restaurants, I believe 2-3 points on gas and 1 point on everything else. Generous credit limits are a must. No point in going for a card thats generally $500-$1000 credit limit.

MemberSince99
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Postby MemberSince99 » Sun Nov 25, 2012 7:24 am

For sure recon. If your first recon doesn't work, and you want the card, call back in a couple days and get another underwriter and recon again. That's how I got in. I'm sure you know how to be nice and present your case as to why they should let you in. Good luck! Let us know how it goes!

Papa, citi has been WAY harder for me to get into than Amex. Amex and citi both declined me in early 2011, but then Amex let me in a year later and citi did not. Due to their horrible CS, despite having great cards, I don't see myself applying with them (same with Bank of America who I've never applied with). I have decided I want CS who knows what they are doing and will help me the first time I call generally (I do allow for mistakes just not every single time I call - at that point what is the use of paying people). But yeah, I would say for me, citi is a LOT harder to get than Amex. I've gotten Discover, US Bank, and Amex, but not citi, ever. And now I don't think I ever will unless they bring their CS back to the US which is unlikely. I'm done supporting incompetent useless offshored customer "service" that is worthless and can't even answer your questions let alone actually help you without screwing it up. I'll stick to banks who don't foist that atrocity on us.

paparoach429
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Postby paparoach429 » Sun Nov 25, 2012 11:46 am

I hear people talk about their bad customer service but imo theur customer service has been nothing but helpful.. I did notice if you call after a certain time (I think its 4:00 pm et) you will get somebody in India but if you call in before that they have always been American representatives, unlike Capital One which every single time I called was a hassle. Idk if I got lucky with Citi but if Amex has been easier to get in with that eases my mind. The ONE AND ONLY complaint I have with Citi is theres not many branches here in Chicago. I can probably count about 7 in the whole city of Chicago, not including downown. They do have plenty of atms though.

Bksuper
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Postby Bksuper » Wed Nov 28, 2012 12:31 am

In my experience...Chase is HORRIBLE with Recons (Rant below).

I had built up positive credit for nearly 6 months with my 1st Financial Bank Student Card and was looking forward towards applying for the amazon visa I had been declined for the day I turned 18 and was naive to approval standards. I called them up to check approval status; I was declined. I volunteered info about my 5 figure assets, still no. This was with all positive, albeit short credit history and only asking for a limit of $500 to start. They recommended I open a Savings Account with them and try again, which I then did with an opening deposit of $500 (the max for debit card which was supposed to post immediately), as I needed an account to deposit cash into to transfer to my online bank anyway. Only then the deposit was held over a week. In the meantime, they recommended I visit a branch to make another deposit with cash and then recon. I did that and only then did they tell me it would have to be at least $10,000 for at least 3 months to even be considered. I filed a BBB complaint which got them heckled for a while with constant calls from their executive office and I still didn't get the card until my mom applied and then added me as a joint cardmember, which they put us through enormous hassle to do so or to raise the limit to $2k even though we had been approved for $10k before my mom asked it to be lowered to $1k. I swear they have me blacklisted to give me extra hassle whenever I have an issue.

As far as cards for us young, single people, I would try to add the US Bank Cash+ and the Associated Bank Rewards Visa Signature cards.
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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Postby FutureBillionaire » Wed Nov 28, 2012 9:30 am

sakhalin wrote:I HATE Citi's website. It is incredibly glitchy and disorganized after their "updates".


I agree. It is bad. It seems to have improved slightly over the last few weeks though.
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



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