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Valued Contributor
Posts: 1,838
Registered: ‎11-20-2016
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Bravo Card

How is this card not talked about more on here? What am I missing?
Sounds like a **bleep** good card to me.
3% back on Groceries, restaurants and gas.
0% for 24 months -yes, 24....on BTs

Is Santander an evil bank or something? Just seems this is better than say, the marvel card and yet that one is talked about all the time and this one is rarely talked of.

I figure I have to be missing something on why nobody likes this card. Smiley Happy

FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016

Re: Bravo Card

Im sure if tydawg finds this post he'll let you know why. They are a huge bank but from what i gather are very conservative , take forever to approve you and for many the rewards dont match to what they want or expect. No real experience with their ccs but i do know the one time i tried getting a personsl loan they wanted at least a 700 just to consider. Bravo indeedSmiley Happy
Valued Contributor
Posts: 2,042
Registered: ‎03-03-2015

Re: Bravo Card


AverageJoesCredit wrote:
Im sure if tydawg finds this post he'll let you know why. They are a huge bank but from what i gather are very conservative , take forever to approve you and for many the rewards dont match to what they want or expect. No real experience with their ccs but i do know the one time i tried getting a personsl loan they wanted at least a 700 just to consider. Bravo indeedSmiley Happy

Which is absolutely hilarious, considering they're the number 1 sub-prime car lender in the US. They'll back a 25%, 72 month loan on a 10 year old Hyundai with a 150% LTV, but want at least 700 for a loan? Smiley LOL



Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/1/17): 727 EQ 748 TU 731 EX
Valued Contributor
Posts: 2,156
Registered: ‎08-13-2007
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Re: Bravo Card


DeeBee78 wrote:

AverageJoesCredit wrote:
Im sure if tydawg finds this post he'll let you know why. They are a huge bank but from what i gather are very conservative , take forever to approve you and for many the rewards dont match to what they want or expect. No real experience with their ccs but i do know the one time i tried getting a personsl loan they wanted at least a 700 just to consider. Bravo indeedSmiley Happy

Which is absolutely hilarious, considering they're the number 1 sub-prime car lender in the US. They'll back a 25%, 72 month loan on a 10 year old Hyundai with a 150% LTV, but want at least 700 for a loan? Smiley LOL


THIS is the truth!

Ray

** Every Card has a Job, and Every Card does its Job **
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016
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Re: Bravo Card

Good to know haha. This if course was from my newbie start on my rebuild when i didnt realize i could get better offers if i just let my scores improveSmiley Wink
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016
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Re: Bravo Card

Oh and i think at that time i was actually 693 or somethingSmiley Wink
Valued Contributor
Posts: 1,469
Registered: ‎01-09-2015

Re: Bravo Card

I think there are a few reasons why this card isn't popular:

 

1. It has a $49 AF - which makes it inferior to other cards that offer 3% on those categories (there are quite a few actually, the best is the SSFCU Power Travel Rewards that offers 3.3%, but is geography limited)

 

2. They give 3x "points", but they don't happen to mention what their points are worth or if they can be redeemed for cash or cash equivalent, anybody know?

 

3. I think a lot of people hate Santander.  I actually used to like them becuase they had a checking account where they gave you free money every month, but they stopped that last year.

Valued Contributor
Posts: 2,156
Registered: ‎08-13-2007

Re: Bravo Card

[ Edited ]

If I remember correctly, Santander got burned when they bought a bunch of sub prime loans from Lending Club...

 

I may not remember correctly though - I'm getting old...  Smiley Wink

Ray

** Every Card has a Job, and Every Card does its Job **
Moderator
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Registered: ‎09-22-2012

Re: Bravo Card

Super Contributor
Posts: 13,905
Registered: ‎01-04-2014
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Re: Bravo Card

And though it's not mentioned yet i think another reason (as if those others aren't already enough) Smiley LOL is about their credit lines?

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777

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