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Established Member
LizF
Posts: 28
Registered: ‎01-15-2010
0

Best bank CCs?

(Not sure if this belongs in the CC forum as it is mostly about banking...so please move it if necessary.) 

 

I currently bank with BofA, and have a Platinum Plus MC with them that has a $4.5k limit.  Have had it for almost a year.

 

I don't have any issues with BofA to date, but have been hearing a lot about people having serious issues with them.

 

I'd like to build a relationship with another bank & obtain a CC through them as well, as a backup...and perhaps transition fully to them.  What would be the best bank for this?

 

On a related note, would opening accounts with CCC-related bank (i.e., Discover Bank online) increase likelihood of being approved for one of the company's cards (in this case, a Discover CC)?


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JMN
Posts: 321
Registered: ‎10-25-2009
0

Re: Best bank CCs?

All of my banking is done with Citibank, and I have two credit cards with CitiCards as well as a line of credit with Citibank, and I've been very happy with the various products I have with them.
Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.
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rbh
Posts: 356
Registered: ‎06-25-2009
0

Re: Best bank CCs?


LizF wrote:

(Not sure if this belongs in the CC forum as it is mostly about banking...so please move it if necessary.) 

 

I currently bank with BofA, and have a Platinum Plus MC with them that has a $4.5k limit.  Have had it for almost a year.

 

I don't have any issues with BofA to date, but have been hearing a lot about people having serious issues with them.

 

I'd like to build a relationship with another bank & obtain a CC through them as well, as a backup...and perhaps transition fully to them.  What would be the best bank for this?

 

On a related note, would opening accounts with CCC-related bank (i.e., Discover Bank online) increase likelihood of being approved for one of the company's cards (in this case, a Discover CC)?


Where do you live? I have been with PNC for several years. I got my current credit card with them in March of 2009 with TU FICO score of 642 and received $7500 CL. I've been very happy with them and am really excited that I have lots more ATMs to choose from now for checking withdrawals.

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Established Member
LizF
Posts: 28
Registered: ‎01-15-2010
0

Re: Best bank CCs?

Whoops...that's a pretty useful bit of info I left out.

 

I am in Los Angeles. 


Starting Equifax Score: 747
Current Equifax Score: 747
Goal Equifax Score: 775


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Regular Contributor
BP2003
Posts: 139
Registered: ‎05-19-2008
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Re: Best bank CCs?

I've had a BoA for just over 2 years...and the CL seems to be stuck at $1000.  After hitting the LUV button 3 times in the past 6 months, they refuse to give me even a $500 CL bump.

 

Meanwhile, 3 months ago, I apply for a CITI Forward card and was approved after address verification for a $7000 CL (My highest CL).

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Super Contributor
marty56
Posts: 5,696
Registered: ‎10-06-2007
0

Re: Best bank CCs?

I would say 2 words CU.  It may be harder to qualify but they have not jumped on the AA bandwagon and their rates tend to be more attractive.  They dont offer as much in the rewards area if you are looking for that, although I get 1% cash back for every purchase.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Best bank CCs?

I like CU's overall the best.  They tend to be just a bit more stable, IMO.

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
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newstart2010
Posts: 670
Registered: ‎01-08-2010
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Re: Best bank CCs?

I agree, a credit union or community is the way to go.  You can put all of your products with them and they generally will give you better rates for doing so.
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11/01/2014 || FICO TU: 610 EXP: 601
11/11/2014 || FICO TU: 659 EXP: 657
Util: 3% || Fingerhut $1000, Dillards $400, Credit One $500, Target $800, USAA $1000, Pier 1 $900, Best Buy $1500, Wells Fargo $1000
Regular Contributor
Cyan007
Posts: 237
Registered: ‎08-02-2009
0

Re: Best bank CCs?


rbh wrote:

LizF wrote:

(Not sure if this belongs in the CC forum as it is mostly about banking...so please move it if necessary.) 

 

I currently bank with BofA, and have a Platinum Plus MC with them that has a $4.5k limit.  Have had it for almost a year.

 

I don't have any issues with BofA to date, but have been hearing a lot about people having serious issues with them.

 

I'd like to build a relationship with another bank & obtain a CC through them as well, as a backup...and perhaps transition fully to them.  What would be the best bank for this?

 

On a related note, would opening accounts with CCC-related bank (i.e., Discover Bank online) increase likelihood of being approved for one of the company's cards (in this case, a Discover CC)?


Where do you live? I have been with PNC for several years. I got my current credit card with them in March of 2009 with TU FICO score of 642 and received $7500 CL. I've been very happy with them and am really excited that I have lots more ATMs to choose from now for checking withdrawals.


 

I agree.  I've been with PNC for about a year now.  No complaints.  I picked up a credit card from them as well, currently with a CL of $1250.  Not too great so I haven't used it much.

EQ (11/16/2007): 573

Starting Score (1/1/2010): EQ: 712 -- TU: 726
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Goal Score: EQ: 760


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Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: Best bank CCs?

[ Edited ]

U.S. Bank Credit Card is pretty good card to have . I have two cards (co-branded) with US Bank and they haven't done anything to me yet. I called to ask for CLI (no hard pull) every six months .

 

 

Ron. 

Message Edited by Ron1 on 01-22-2010 09:33 AM

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