Separate names with a comma.
Discussion in 'Credit Talk' started by jfpruitt, Jun 23, 2001.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
What might be best for you may not be best for someone else. It depends on what you're looking for--low APR, rewards, high limit, etc. If you're talking about customer service, some of the best would be AMEX, Citibank, and MBNA.
The best for me are: Amex, Citibank, and USAA.
All have low rates, and great customer service.
What did it take to get the USAA card? I have my insurance with USAA Casualty. Do you use their bank also?
Thanks for any info.
Yes, I bank there, carry insurance with them and have my highest CC with USAA. They are really great!
I cant complain.
When I got the USAA CC, it was over a year ago.
My initial limit was 1K, over a 1 month time frame, I have gone from 1K to 8.2K.
How many banks are willing to do that? Not very many!
Do you have any idea about their underwriting criteria?
I think Chase. I have 4 accounts with them and the lowest limit is $10,000. Then MBNA, Citi, First Union, Fleet, First USA, Associates. I have them all, they all have high limits and offer lots of teaser rates.
I have no idea about the underwriting.
And my last post has a typo, It should state 1K-8.2K in a little over 1 year.
I love these threads - as long as everyone shares current info, it's useful for those shopping around.
My best, for "ease of application" / ability to look beyond the score---
Automatically approved me with a $10k limit - and added $2k to it after 6 months. Excellent rate (prime + .49 --- unfortunately, they upped it to 9.99 fixed now).
Bank of America
Yup - you read right. They were willing to override their systems to evaluate an application with a BK (medical - no consumer debt). Most others automatically reject and can't go deeper. It took a while to get a good rate, but they did come down for a bal xfer offer of prime for life.
High rate at first, but they came down to 16.49 later. No gimmicks (like paying a fee for higher credit lines) - every 4 months a generous increase.
My best for overall features & customer service ---
Citibank Diners Club
Never a computer voice (unless you call the computer voice number) ... always a person who can resolve just about any problem. 2 months to pay, great rewards, excellent card for traveling (not as good as Amex for retail).
'nuff said. They're a tie with Diners for awesome service. Not as good for rewards, but better acceptance evens it out. Best value guarantee, buyers protection have paid me handsomely. Blue is a great no-nonsense revolving card at 9.99 - Gold Rewards Plus really racks up the membership rewards points if you travel.
Good midwestern bank, high lines, low rates, great customer service.
Great products - always offering a low balance xfer. My Visa is 20 months old and has never been over 6.9% ... and the Shell rewards card is one of the best deals in town -- 5% rebate on gas (1% on everything else) __and__ a 13.49% rate.
Our primary bank is Fleet, so it earns us higher status with the bank (and lower rates on other products). Initial 7.99 was awesome - now it's around 9 - but they offer frequent "5.9 for 6 months" deals.
Cards I __DON'T LIKE__
Discover - stingy with credit line increases, rates move and require threats of closing the account to go to reasonable levels (if 13.99 is reasonable).
Providian - like I'm gonna pay for a credit line increase. I do like the clear card, through, for cool-factor only.
My personal best are Citi, Providian and Discover.
Citi-0% on balance transfers until 3/2002
Providian- 2 Gold cards, they lowered apr because I called and asked and they raised my limit on my visa to over $8K.
Discover-1.9% on balance transfers