I propose we make a list of banks that seem to give a sh! about us sub and sub sub primers and just customers in general. And make a list of don'ts. So everyone put out your best and worst, from experience, and in order. BEST 1. Citibank 2. American Express Membership B@nking 3. Sterling 4. Capital One 5. Target WORST 1. FCNB 2. Providian
Best 1. Citibank 2. Captial One Worst 1. Providian 2. Amex, (they are always giving me a hard time) 3.Orchard Bank stingy with increases Cypri
The two best (these are the two secured cards I recommend to my clients) 1) Chase Secured (They used to take anyone who did not have recent delinquencies or a bankruptcy. However, they seem to be moving more towards opening accounts for those who have had no previous credit experience, rather than those with troubled experience.) 2) Capital One The WORST, hands-down, no question, absolute, scum-sucking, bottom-feeding, belly-crawling WORST sub-prime credit card company has got to be those lying, thieving predators -- Cross Country Bank.
Best: Capital One Worst: SEARS - I actually got someone in their home office to admit they train they reps to mistreat their customers.
best (for customer service and increasing account benefits): 1. Capital One 2. Citibank worst (for me): 1. Providian 2. Household - subprime division worst (that I've consistently read about): 1. Cross Country Bank
Best: Citibank USAA Target Visa In Between: Amex: is tired of their SHIT!!! Worst: Household Cap1 GM Card
Worst: Cap1 sends me preapproval for a platinum business credit card. I send it in and they put an inquiry on all 3 credit reports then send me a card with a 300.00 limit.
$300 for a business card???? Tell them to shove it lol. I applied 3 times for a cap1 card in my quest for credit. Everytime they approved me for $200 dollars. I have since then closed them and have learned not to trust the preapproval offers from cap1. I am just not good enough for them I guess.
I have not charged anything on the card in the 5 months Ive had it and dont plan to in the future. The miniscule limit is ridiculous but to have to burn 3 inquiries for it is really outrageous. No doubt about it Crap one is the absolute worst.
GEORGE- That means they all suck because nobody will give me one. Whoever gives me one first will get my vote for best.
I WAS WORRIED... There have been some "UNDESIRABLE" people PREACHING their CASH/CHECK "MANTRA". ...this means they BASH credit cards for ALL people, IN ALL CASES. I personally save MANY MANY $$$$$ using credit cards...(PAY MOST IN FULL, GET CASH BACK, USE TEASER RATES TO MY BENEFIT)... I started with SHELL OIL, STANDARD OIL, JC PENNEYS, WARDS, MERVYNS...eventually getting MANY REAL "PRE-APPROVED" VISA/MC'S... At one point ABOUT $200,000 unsecured, UNTIL F.I.C.O. REARED IT'S UGLY HEAD!!!
Re: NOW JUST ADD THAT "TEASER RATE" A NEW VISA/MC USE ANYWHERE THEY ARE ACCEPTED...WITH THE "CASH CARD" PICTURE????
Re: NOW JUST ADD THAT "TEASER RATE" Best: Citibank AMEX Chase Borderline: Capital One Providian Worst: CCB First USA and everyone else
