10-19-2013 08:34 AM
10-19-2013 09:38 AM
I have cards with Chase, Discover, Amex, BoA, Citi, Comenity, and GECRB. My DH has a CC with WF. Do I like some more than others? Of course. Some cards offer more for our needs than others. But I haven't had such terrible experiences that I would declare to never do business with a particular company. I have no interest in getting a WF CC but that's because I don't think their cards are that great. But if they were to amp up their CC products and come up with something compelling, I would take a look. I think everyone is going to have their differences regarding various banks but to say I'm never going to deal with a bank because they won't give me a SP CLI or some other perceived right you may think you have is not very productive.
10-20-2013 12:51 PM
10-20-2013 01:26 PM
I have no interest in getting a WF CC but that's because I don't think their cards are that great. But if they were to amp up their CC products and come up with something compelling, I would take a look.
If you don't mind short-term, this is compelling! https://www.wellsfargo.com/credit-cards/cash-back/
10-20-2013 02:06 PM
10-20-2013 02:15 PM
I've been getting pre-approved offers for their cb cards for quite a while every time I log onto my checking account! I guess the short term rewards hasn't been compelling enough to get me out of the garden! 😂
Yes, only compelling for those wanting manufactured spend cards, and this, uncapped in the right categories, is great for that.
10-20-2013 02:17 PM
To me this thread is pointless...
Every lender will be good and bad for people, not because the lender is bad, but because some lenders do not work for everyone and their specific plans they have.
10-20-2013 08:38 PM - edited 10-20-2013 08:54 PM
Cards that I have that I love:
American Express - Always had great customer service when I needed them. They even overnighted me an ExpressPay card when I requested one - and I didn't even ask for the card to be overnighted. The rewards are also good for me. The 90 day/6 month CLI is also great. CL is generous.
Cards I have that I like:
Citi - They were generous with the CL when I applied. I have not yet asked for a CLI from them, but I have heard mixed results in regards to soft/hard pull. Their customer service is decent, but I do feel like they're always trying to sell me something/trying to get me to use their card exclusively.
Barclaycard: Their customer service is helpful. Their recon people were iffy, and I had to take a triple pull to get their card, but I love the interest rate, community, and regular customer service. Hopefully I won't have to deal with their Recon people again. I wish my CL was higher.
Cards I have that I tolerate:
Discover: Decent rewards (Especially the 5%), and decent customer service. Toy credit line doesn't allow me to use the card in the way I had planned (I try to keep all accounts under 10% UTIL). It was also extremely difficult to open this account (They required me to send my student documentation to them multiple times.), and make multiple phone calls to the New Accounts department to get this card.
BB&T: Rewards are fairly crappy, and get worse every year it seems. They are also a little trigger-happy when it comes to freezing accounts due to 'fraud', which turned out in all but one case to be legitimate (They are extremely paranoid and have frozen my card at least 3 times with no warning). The customer service is decent. They appear to HP for CLIs, which is depressing. This is my second lowest interest rate, though (after the Ring).
Cards I hated so much I cancelled:
Chase Freedom: The interest rate they gave me I considered to be usury (22.99%). They also gave me a toy credit line of $1200. Unhelpful customer service representatives, and HP for CLIs, which they declined for me. I canceled this card three months after getting it, mostly out of anger of the interest rate and credit line. I read on this forum that Chase doesn't lower interest rates, which was my biggest reason to cancel the card. I have no idea why Chase seems to have such a great reputation on this forum. That reputation definitely wasn't the case for me. And I will be unlikely to do business with them for quite a while.
A card from my local credit union: This was my first credit card. The CL was never increased even when I used the card. The CL remained at $500, which made the card useless to me. I recently cancelled this card.
10-20-2013 09:49 PM
For 10 yrs, I threw all CitiBank invites away.
A rep lied to me back then saying my payments would go proportionally to the higher and lower rate balances. I held a grudge. Earlier this year, I took them up for the $100 signup bonus and promptly spent $2300 on furniture to also get $115 5% category.
You keep your enemies closer. hah.
FICO EX 739, 2013 Jun. FICO TU08 778, 2013 Dec. FICO EQ 736, 2013 Aug.
BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club GE Dscvr 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 21.6k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k; JC Penny 2011 1k
10-20-2013 10:03 PM
Cap1 & WF for me. Just some bad personal experience with both. That is all.
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