07-26-2010 07:44 PM
I am going to apply for one of these cards but I don't know which one. I did check out the card comparer on myfico but I want to get your opinion on which to get. I am looking for the one that will give me the highest CL, and is good for balance transfers. I was leaning towards the platinum card, but idk.
Which one would you pick? I got an invitation form in the mail for both cards.
07-26-2010 08:51 PM
Platinum card, IMHO, if you want a professional looking card, or a slightly lower interest rate. The rewards on the Forward card are very good, especially if you eat out a lot.
07-26-2010 09:35 PM
I think it really depends on ultimately what you want out of the card. I have a few rewards cards already so when I applied last month I went for the Plat Select card since it had the 0% promo for 12 months as that was what I needed (car repairs). I was instantly approved and received the card in a few business days. The Extra Cash program is kind of cool if you're an Amazon fan as they have daily deals (like Amazon) that you can purchase using your EC dollars. They also gave me a $30 statement credit on my first bill. So far they've been easy to deal with. I had considered the Forward card too as the 5% back on music, restaurants and books is a program I'd take advantage of as I shop a lot on Amazon. But the Plat Select won...
07-27-2010 02:07 AM
Citi has a promo online for the Citi Forward for a $50 statement credit after spending $50. Along with that you get a 2,500 bonus points for signing up for paperless statements and 6,000 bonus points for spending $250. These bonus points are enough for another $50 statement credit. That right there is a free $100, which is something to consider. I'm not sure about the balance transfers, but I just got approved with a 4k limit and a 15k income, my highest CL.
07-27-2010 04:25 AM
I have the Citi Forward, was approved a year ago for a 6.5k limit, much higher than my Cap One Cash rewards card. I've been happyh with the Citi Forward card, Points are pretty easy to get if you eat out, 5 points/dollar at restaurants adds up quick. My only complaint about the card is that you can only make 4 online payments per month, I like to not cary a balance, so with my Cap One card, i just send them cash every few days when new items post. with the Citi Card i can only pay once/week. but it's still a great card IMHO.
07-27-2010 09:19 AM
What type of scores are they looking for? Do they excuse older baddies? I just received an invitation to apply, but don't want to try it if they'll only turn around and deny me!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.