Credit Card Comparison Tools - What do YOU look for?

Discussion in 'Credit Talk' started by Logan Abbott, Nov 5, 2012.

  1. Logan Abbott

    Logan Abbott Well-Known Member

    Calling all forum members!

    As we look to improve the credit card search tools we feature on our site to help match up consumers with the perfect credit card, we want to hear your input! What types of categories and filters do you find most useful when you search for a credit card? For example:

    -Do you have card issuer preference? How much do brands matter to you?
    -Do you have a good idea of your credit level when you search for a new card? Or are you more or less guessing?
    -How important are cash back and rewards to your search? Are these the first things you look for?
    -How familiar are you w/ balance transfers and 0% Intro periods? How much does this factor into your search?

    Help us out as we look to configure the absolute best credit card search tool on the market today!

    Thanks! -Jason
  2. Kameleon

    Kameleon Well-Known Member

    -no preference into brand, BUT it would be nice to know about or not included predatory CC companies.

    - There should be a filter to categorize cards by credit score required / Review system to show maybe what others are reporting their score range was when they were approved/denied, so no one wastes time.

    - Rewards are SUPER important. Especially when faced with annual fee's, i think it's important to know what you can GET BACK. I'm new and don't have much going on but Air miles are more interesting to me that cash back, i like to travel (or at least think about it,) the next guy may not but it would be nice to know which is the best mileage card out there if that's what i'm into

    - Balance transfers and 0% intro periods are not really important to me, BUT that is because i'm in repair and re-establish mode. I don't have other cards with balances to transfer too etc. Maybe a suggestion of a filter to sorts cards for credit repair/ re-establishment Vs. seasoned cardholders. ETC

    - Another thing would be a rating on customer service members can give based on their experience.
  3. Logan Abbott

    Logan Abbott Well-Known Member

    Thanks Kameleon! We appreciate the insight; credit repair is definitely something to consider when filtering credit cards.

    If anyone else has suggestions/comments we would LOVE to hear them.
  4. jwpj

    jwpj Well-Known Member

    I look for anyone that will give me a card!

    Seriously though, first thing I look for is Annual Fees. When you have bad credit, chances are, you're going to get hit with them. However, there are still variances in those annual fees, and I like to try and stick with the lowest ones.

    Since I'm in the middle of credit repair, I don't even look at APR at all. Typically, I charge a small amount every month, and pay it off at the end of the month, so I'm not affected by this.

    Dont really care about rewards, as usually, the rewards offered are nothing substantial.

    I do have a suggestion for something that would be very helpful though (IMO).

    Currently, I'm right on the point of Bad and less than average credit (Right in the low 600s). I've done a google search before and found listings of people who have applied for a card, which card it was, what their credit score was when applying, who pulled, and whether or not they were approved.

    There might be something similar to this on CreditNet, but alas, I haven't found it. However, it would be very helpful for someone like me to browse a list of people with similar credit scores as mine that have had success getting approved for cards.
  5. Kameleon

    Kameleon Well-Known Member

    I think this is what jwpj might be talking about: found on another post.

  6. jwpj

    jwpj Well-Known Member


    Thank you, Thank you, Thank you!!!
  7. Heather L

    Heather L Well-Known Member

    Here is a list of the things that are most important to me when I am looking for credit card.

    1. Annual Fee
    2. Rewards
    3. Interest rate (if I needed to carry a balance at some point.)
    4. Brand of Company

    Thanks! Heather with BoostMyScore.NET
  8. Logan Abbott

    Logan Abbott Well-Known Member

    jwpj - Thanks for the insight, and Kamelon thanks for passing along the helpful info! One thing we're definitely going to work at is making sure applicants are matched up w/ the cards they have the best shot at being approved for. While we do this currently, there is still some overlap between what we consider "fair", "bad" etc. which we are working to address.

    Heather - Thanks once more for your suggestion! Looks like we'll need to put more of an emphasis moving forward on consumers considering annual fees...

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