Let's do a little survey cause I'm cruious as hell now. I hope this gets a huge response. If the Credit Card Fairy came and said that they would grant you ANY 1 credit card in the whole wide world, what card would you choose? (and be honest...) You don't even have to justify it, just name a card...even if you already have it. I'll start....mine would definately be the AMEX Centurion Black Card.
Re: *The Credit Card Fairy* [Survey The Kmart MasterCard by Capital One with a $300 line of credit. Just kidding. AmEx Centurion Black. Doc P.S. Will the real credit card fairy please stand up?
Re: *The Credit Card Fairy* [Survey Citi Platinum. Through all my troubles, Citi has been the fairest with me, and this card has high limits ($22,500), decent rates and a decent BT rate.
Re: *The Credit Card Fairy* [Survey At this point I'd take ANY card I can get!! But an AMEX would be extra special.
Re: *The Credit Card Fairy* [Survey Definitely a Centurion card with no annual fee. BTW I heard rumors of a corporate black card that may be coming out soon ??? I wonder if the requirements would be as strict as the regular Centurion ?
Re: *The Credit Card Fairy* [Survey I would never pay that kind of fee for any card. I would take any card with a $100,000 limit, an annual fee of $50 or less and a rate of less than 10%. MBNA sounds like the a good one. www.creditsense.com
Re: *The Credit Card Fairy* [Survey Any Visa or Mastercard ATM card with a prepaid $300,000. deposit to draw on.
Re: *The Credit Card Fairy* [Survey Amex Black. My dad lives in Austria and a brother works in Bosnia. They have a companion flys free deal. It would pay for its self 1st trip. Charlie
Re: *The Credit Card Fairy* [Survey Either the Amex Centurion card with no annual fee or the MBNA Quantum card with an 8.9% fixed apr.
Black then Platinum then Gold - AMEX of course. However - never embarrassed to pull the Green Card. 2ND - Visa Infinity or Mastercard WORLD - with no preset limits and a large available LOC for normal purchase/BTs. Don't let the sun hit that Platinum Card MP$40 - you'll cause an accident on 101 from the reflection. AArrffff - doggin it dogman
Well probably would be my clear Amex Blue just with a lower APR and the BVG back. I'd also have to say that I want to keep an MBNA card. They've always provided the best customer service and have bent over backward for me several times. They've earned my business for life!
My ultimate goal is the AMEX Blue. I wouldn't mind getting an MBNA Alumni Platinum card with my alma mater on the front. I just got a preapproval for 0% intro APR for cash advances and balance transfers until Jan. 2003, no annual fee, and 9.9% for new purchases. Plus they throw in a golf shirt with my university's logo. I've been sitting on it this month. The offer expires on June 30. I don't know if this newest offer says anything about the state of my current credit, but I can tell you that before finding Creditnet, I got NO preapproval offers. Then, as I started to clean up my CR, they started trickling in with awful interest rates. I continued to ignore them. This by far is the best. It's tempting, but until my credit report is where I want it to be, I don't want to risk applying and getting stung by a hard inquiry and a denial. I want to refinance my house before the end of June.
I'd have to say, anything prime. I'm sitting at 650 and noone will give me a chance except Household. And that's only a $400, subprime card at that.
For me definately Amex Black fee or no fee. Erica: Your at 650 at can't get a card? How about Target Guest Card. If you have existing derogs why don't you do the dispute and apply trick?
I have Target Guest Card, Capital One secured, FCNB secured, 1st Premier secured, Household unsecured...Tried the dispute and apply thing, lost 16 points with the disputes. All negs that show on Equifax are paid and from 1997.
