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Discussion in 'Credit Talk' started by jfpruitt, Jun 23, 2001.
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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