I love Capital One! I know others opinions vary on this card, but I think they are terrific to their good customers...very unlike some other companies I could name. L
Citi and Bank of America have always been fair with me. I would never again deal with FirstUSA. Merrick is new, but their customer service is really poor. MBNA is in between
According to Tuesday's "Wall Street Journal," Capitol One has the lowest default rate among its credit card customers in the entire business. Johnny Blood
Citi and Chase. Both have been great with substantial tradelines. Citi through new tradelines and combining, Chase through line increases. Both also have great promotional deals. DemPooches
Re: what's your favorite credit car Amex - without a doubt. Takes time in the beginning to "earn" their trust - but after that - they're extremely generous with line increases and have excellent customer service. Their memebership rewards program is also a nice touch
Re: what's your favorite credit car Citibank and Retailers National Bank (Target Visa). Citibank has given me an exceptionally low rate of 6.65% and numerous BT offers. Target Visa also lowered my apr from the initial 19.8% down to 9.9% in the course of one year. They have been generous with line increases too. I started with $3000 in 10/01 and have $4700 in 10/02.
Re: what's your favorite credit car My fave cards also happen to be my longest tradelines: Citi & Cap1. I've had a Citi card since freshman year of college, with a 700 limit. In the past 15 years, it's gone through quite a journey, from 19.8% APR to an Aadvantage Card and now finally an Citi Platinium Select World MC with a $6500 limit & a 10.9% APR! Not to mention about 40K Aadvantage miles in the past 12 months. As long as you charge frequently, make more than the minimum payments (I try to make a payment at a Citi branch once a week) and they will go through hoops to keep you as a customer. Cap1 helped me out when I couldn't even get an additional card -- with a $300 deposit I got a $500 limit and thanks to Creditnet, I've been able to PFB and use the retention # and have upped my relationship with Cap1 to include a Gold and a Platinum card. APRs aren't fantastic, but I try to keep my balances to a minimum.
Re: what's your favorite credit car #1 Citibank Platinum Select~~~6.65% APR for purchases & 3.90% APR on BT until paid off. No annual fee. #2 Bank of America Platinum~~~9.90% APR fixed for purchases & 4.75% APR on BT until paid off. No annual fee.
Re: what's your favorite credit car #1: Bank of America - Great interest rates on purchases and BT's and great customer service. #2: Capital One - Have been very generous to me with CL increases (went from a $1000 gold card to a $5000 plat. in less than a year). Not the best interest rates but not horrible either. Customer service has always been very helpful and friendly. Only thing I don't like is that they don't report limits. #3: Amex - Applied for Plat awhile back but was denied... reapplied for gold and was approved. Upgraded me to plat after less than 6 months and customer service is the best around IMHO. #4: Citibank - Have a Plat Select and a World Mastercard. Very generous with initial limits and increases and again, great customer service (usually). Kirk
Re: what's your favorite credit car #1 Bank of America - Very fast with BT, also good rate, 8.9% purchases & bt. First good credit line upfront. #2 Capital One - While I was in the subprime mkt, they never took advantage with the outrageous fees that others charged. Started with $200 limit last year, up to $1250 and counting this year. Anxiously awaiting my next review so I can talk to my old friend Mr. Cooke! #3 Chase - Although they have been a pain in my @$$ lately, I would still recommend them. Just watch out when it comes to line increases and the like, you will get a hard inquiry.
Depends on what your credit history looks like! My personal favs: (1) Chase (2) AT&T Universal (Citibank) (3) Wachovia All three - > five figure credit limits, BT's are quick as lightning and 0% for eons and eons, great customer service.
Well I prefer Citibank, they are really the only ones who ever dealt with me in a polite manner. I don't like First USA or MBNA's payment posting process. At least here from texas both of these places took 8 to 10 days to post my payment and charged me late fees on a regular basis. I know that First USA even settled lost a lawsuit for using a PO box that they checked once a week for payments (as I recieved $0.63 as part of the settlement)
I hope you didn't spend the entire settlement offer in one place!!! Surely you splurged and painted the town red.
Citibank World Aadvantage gold card. 18.5K revolving limit with 8.65 APR. Earned 80,000 miles in two years. I use this card for practically everything. MBNA plat. plus. 19.1K limit. Although the 11.9 APR is a bit high for purchases, it's a good APR for cash when I need it.
Chase Platinum is great. Gave me 0% on BT's for a year, no BT fee, no annual fee and APR of 9.9%. Considering that I've been in the teens for the past 10 years I'll take it!
I like: 1) CitiBank World MasterCard -- Came with 7500 AAdvantage miles on the first charge. Earned our honeymoon plane tickets to Europe First Class in just one year (yeah, we intentionally paid for toilet paper, etc. to get that!) 2) CitiBank Signature VISA -- same deal. Gonna go see my inlaws at their Ski Chalet in this Winter...again! 3) AMEX Optima -- AMEX Gold. Both started hubby out with comparatively low CL for his pristine credit. But it has since soared with hardly a flinch from AMEX.
Re: what's your favorite credit car Citibank Sony Platinum Card, Diners Club, Discover Card, AT&T Universal Cash Rewards Card and Fleet Savings Bond Card are my favorite cards. Ron.
Re: what's your favorite credit car Cap 1 has been great to me. Upgraded gold to plat. with a good cl when I couldn't get a card from anyone else.
