Top tier Cards

Discussion in 'Credit Talk' started by fungifish, Sep 7, 2003.

  1. fungifish

    fungifish Member

    I just wanted to get a sense of what people thought of as top tier cards to have, and if based on approvals, what it takes to get them. Here's my take

    Credit Cards

    Citibank Platinum Select/Dividend
    Amex Blue
    Chase Platinum
    Bank of America Platinum

    Most require 690 or higher, resonable credit history though I think that BofA plat and Amex blue are harder to get .
  2. ero2

    ero2 Well-Known Member

    IMHO hardest to get to easiest:

    Amex Blue
    BofA plat
    chase plat
    citibank plat

    Also IMO the best is blue and BofA plat, chase has been good to me but maybe not to a lot of others on this board. I would say if you wanted to get one I would get amex blue because of 7.99 fixed and you can get rewards or get the blue cash card, I have 6.99 on chase stockback which also gives 1% cashback so for carrying balances it is best for me.

    Just my .02$ cents
  3. BurnIt

    BurnIt Well-Known Member

    I got my first prime cc this year, BoA Platinum. I was rejected at first because of number of Inq. I asked for retention, and they approved. But my limit is only 3000.00 I see some people with huge credit limits from them. Why is mine considered platinum, but such a small limit?

    GEORGE Well-Known Member


    It can be as low as $300...
  5. fungifish

    fungifish Member

    Unless it's a platinum charge card (Amex).

    You need to have an income of at least $100K, or be an existing charge card member to qualify.

    Other platinum's try to recreate the Amex platinum glamour, but fail missarably

    Next thing you know, there will be the Providian Black Card ..HA! HA!
  6. blkcarded

    blkcarded Active Member

    Re: Re: Top tier Cards

    Harsh George.... LOL

    but I guess you are right, unless the platinum is in the form of a debit card.
  7. eriqnoodle

    eriqnoodle Well-Known Member

    Re: Re: Top tier Cards

    what is the consensus on the "ideal" profile of an Amex Blue cardholder?
  8. Mirage

    Mirage Well-Known Member

    Re: Re: Re: Top tier Cards

    I got one two weeks ago.

    No derogs.
    Amex pulled my EQ, score for EQ was706
    oldest cc was a Cap 1 from 1996
    3 other cc dating from 2000 to 2001
    Utilization of 33%
    I did a BT transfer as well.
    HH Income 100,000+

    Approved for 11k

    Hope this helps.

    Best regards,
  9. Brad J

    Brad J Well-Known Member

    Re: Re: Re: Top tier Cards

    Don't forget to add MBNA to this list and BankOne for that matter. Both of these are equally difficult to get.
  10. Mirage

    Mirage Well-Known Member

    Re: Re: Re: Re: Top tier Cards

    Tell me about it, still waiting battling Bank One. It's been 3 weeks and still no answer.

    Finally got a letter from them wanting proof of residency. I called them and said hey, I have a checking and savings account with you.

    Telling you guys, really don't understand Bank One. They are so ineffiecent.

    Amex on the other, got the Green with 7 days of applying and first statement has arrived and paid for.

    May tell Bank One to go pound sand.

    Best regards,
  11. Brad J

    Brad J Well-Known Member

    Re: Re: Re: Re: Top tier Cards

    Sorry to hear about that Mirage.

    Does BankOne review every app. individually like MBNA?.

    Asking for proof of residency is strange. I thought that was one of the reasons for pulling more than one CRA.

    Anyways, you've got alot of other good cards. Good luck on BankOne :)
  12. Mirage

    Mirage Well-Known Member

    Re: Re: Re: Re: Top tier Cards

    Brad J, yeah Bank One is one PITB outfit. MBNA was a lot easier to deal with as I spoke directly to the cc specialist.

    I think Cap 1 moves faster than this. Yes, your right I managed to be approved for some great cc. No complaints here, just want to get this Bank One application out of the way.

    Best regards,
  13. 8004me

    8004me Well-Known Member

    Re: Re: Re: Re: Top tier Cards

    Many people report great accounts with Bank One and MBNA.
    I was always to afraid of the stories of rate jacking and reducing credit lines to apply for them.
  14. Brad J

    Brad J Well-Known Member

    Re: Re: Re: Re: Top tier Cards

    I've heard of Bank1 doing some funny things to cardholders like closing accounts or cutting limits, but I think that was because of account inactivity (sockdrawered).

    Those that use it regularly especially the United Airlines mileage plus, I've heard nothing but great things about it.
  15. RichGuy

    RichGuy Well-Known Member

    Ron used his Bank One card regularly, but they closed all his accounts.
  16. Brad J

    Brad J Well-Known Member

    Did they (BankONE) ever say why?
  17. RichGuy

    RichGuy Well-Known Member

    Too much credit with other banks.
  18. Kona

    Kona Member

    Re: Re: Re: Re: Re: Top tier Cards

    Many of these "proof of residency" requests are coming out as a result of the national security push. I think in many businesses so many departmentalize their activities that the left hand often doesn't know what the right is doing.

    For Chase, I had to provide proof of residency, proof of income, and submit income tax returns to verify residency agreed with that on the income tax returns filed for two years. One of my problems is that I live in a small town where people get their mail at the Post Office. Most credit card applications now, because of the national security thing, will not accept P.O. boxes as the official mailing people do not live in a P.O. Box.

    I did not have to do this for the Mileage Plus card. The First USA, now Bank One Card for Mileage Plus took about two weeks to receive; the Chase card took almost a month after initial application.
  19. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: Re: Re: Re: Top tier Cards

    The POST OFFICE can provide a letter STATING THAT YOUR PO BOX IS YOUR ADDRESS and if they have a PROBLEM WITH THAT---TUFF!!!

    I live OUT-SIDE the city...but everybody uses ZIP CODE for sales tax...I GOT A LETTER FROM THE CITY SAYING BASICALLY IT IS ILLEGAL TO CHARGE ME THE EXTRA 3.00% CITY SALES TAX since I live in the COUNTY...
  20. jenz

    jenz Well-Known Member

    Re: Re: Re: Re: Re: Top tier Cards

    they are right. the proof of residency requirement is a new OCC ruling to help in the fight against funding terrorists, fraud, etc.

    HOWEVER, this typically doesn't apply if you already have accounts with the bank, unless they never got a copy of your ID when you opened your checking/savings or if it is past the 5-year limit on how long they need to keep proof on record. see if they have "proof of residency" already in your file.

    as a consumer, its kind of a pain; but as a lender, it makes sense.

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