Pulling the trigger on JPM Palladium

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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CC Deville
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Postby CC Deville » Fri Jul 06, 2012 4:50 pm

agp wrote:Not yet. I was in Philly for fourth of July and did not get back until late Thursday. Today my banker is not in.


Oh for crying out loud! Monday then! :mad:


agp
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Postby agp » Sun Jul 08, 2012 6:24 pm

I'm craving a new credit card... I know I said I'd apply for the Palladium, and I have all the papers filled out, but I'm still debating... $595 just is not worth it given what little benefit it offers.

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

RR101
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Postby RR101 » Sun Jul 08, 2012 6:34 pm

agp I need a copy of JPM Palladium application

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Postby RR101 » Sun Jul 08, 2012 6:44 pm

agp can you email me a copy of JPM Palladium application?

CC Deville
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Postby CC Deville » Sun Jul 08, 2012 7:48 pm

agp wrote:I'm craving a new credit card... I know I said I'd apply for the Palladium, and I have all the papers filled out, but I'm still debating... $595 just is not worth it given what little benefit it offers.


D'oh! (facepalm implied).

I understand....I am allergic to annual fees. I only pay the $25 per year on Zync for the backdating. Worth every penny.

Have you considered the JP Morgan Select? I understand that it is a hidden tradeline.

agp
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Postby agp » Sun Jul 08, 2012 7:53 pm

Yea but I already have the Sapphire Preferred, JPM Select wouldn't do anything at all. I'm thinking opening a BoA card with no annual fee, so that I can start establishing relationships with them... But I don't know which to open. And I don't know if I should do it.

I already have a lot of cards. And the only reason why I would want a relation with BoA is so that if I feel bold in the future, I can church its Hawaiian Airline CCs.

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

CC Deville
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Postby CC Deville » Sun Jul 08, 2012 8:13 pm

agp wrote:Yea but I already have the Sapphire Preferred, JPM Select wouldn't do anything at all. I'm thinking opening a BoA card with no annual fee, so that I can start establishing relationships with them... But I don't know which to open. And I don't know if I should do it.

I already have a lot of cards. And the only reason why I would want a relation with BoA is so that if I feel bold in the future, I can church its Hawaiian Airline CCs.


This is true. Looks like you have the Chase "Trifecta."

BofA has streamlined its cards as of late. They are really pushing the BankAmericard Cash Rewards card and they recently introduced a BankAmericard Travel Rewards card. Someone here stated that they spoke to BofA and confirmed that they will be offering EMV chips (Signature instead of PIN, of course) on their cards soon. Other than that, they do offer a few other cards such as the Alaska Airlines, Susan G. Komen and MLB Extra Innings card.

I have a BankAmericard Cash Rewards Visa Signature and an Accelerated Cash Rewards Amex (no longer offered). I have been very satisfied with the cards (11 and 3 years old, respectfully).

agp
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Postby agp » Sun Jul 08, 2012 8:22 pm

I just think BoA is like Lexus. Sure its products are nice, but all its products are the same and they are all equivalently dull. Maybe I'll get this one since it gives $50 credit after first use and doesn't have ridiculous requirements/fees.
https://www.bankofamerica.com/credit-cards/products/cash-back-rewards-credit-card.go

Any thoughts?

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

CC Deville
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Postby CC Deville » Sun Jul 08, 2012 8:32 pm

agp wrote:I just think BoA is like Lexus. Sure its products are nice, but all its products are the same and they are all equivalently dull. Maybe I'll get this one since it gives $50 credit after first use and doesn't have ridiculous requirements/fees.
https://www.bankofamerica.com/credit-cards/products/cash-back-rewards-credit-card.go

Any thoughts?


That's funny. I always laugh when I see people in their Lexus cars...its like, you just paid WAY too much for a Toyota! The L on the grill stands for Loser. Same with Acura and Infinity (to a lesser extent) they are just odd looking, expensive Hondas and Nissans. And to prove I am not anti-rice, Cadillacs are trumped up Chevys and Lincolns are warmly redone Fords. Want a real luxury car? Yeah, its called BMW, Mercedes and Jaguar. I digress...

Accelerated Rewards Amex...I am not a fan of points but considering your arsenal of cards (wow, 5 opened this year??) this card would be a good option since you already have several cash back cards. It is also a really good looking card...not sure if that matters to you, but the pictures don't do it justice. You are correct, BofA's cards are inherintely dull, but they generally serve their purposes. I use my Cash Rewards now almost exclusively with Freedom and Discover for their 5% bonus quarters when applicable. BofA has never touched my low interest rates and their online account management is pretty straight forward.

As you probably already know, watch the apps as Barclays might shut you down with too many more in the next few months.

agp
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Postby agp » Sun Jul 08, 2012 8:37 pm

Well I drive a glorified Chevy... And I agree that the most luxurious of cars are those without a cheaper counterpart.
I guess I should stop applying for cards. I need to wait 5 years until I get my 30K miles from Barclays and another 5 years for that to transfer to my Divdend Miles account before I do anything impulsive.

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



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