For "normal" people making less than 100K a year, what are the top CC's to have? The so called.."cream of the crop"??? Anyone know???
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. Good Luck
Reshod, 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. breeze
Breeze 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!
Re: Breeze 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. www.creditsense.com
Re: Breeze 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.
Re: Breeze 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--- NextCard 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. FNANB 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). Amex '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. First National/Omaha Good midwestern bank, high lines, low rates, great customer service. Chase 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. Fleet 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.
Re: Breeze 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 CF
