Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 51
Registered: ‎07-26-2012
0

Hardest Credit Cards To Get - For "Normal" People?

Excluding the Amex Centurion, JPM Palladium and all other very high botique lines, that most do not know about or most can not get no matter how much they call the recon line lol.....

 

What cards are the hardest to obtain for the general public in your opinion. In other words anyone could get them as long as they have a nice profile and a good income. But even so, these card(s) you may not get accepted if you have one or to negs on a report etc, you may not quite have enough income, profile too thin. Etc

 

These are cards you have if you have excellent credit and very few negs on your report.....

 

 

 

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Hardest Credit Cards To Get - For "Normal" People?

[ Edited ]

saggy1 wrote:

Excluding the Amex Centurion, JPM Palladium and all other very high botique lines, that most do not know about or most can not get no matter how much they call the recon line lol.....

 

What cards are the hardest to obtain for the general public in your opinion. In other words anyone could get them as long as they have a nice profile and a good income. But even so, these card(s) you may not get accepted if you have one or to negs on a report etc, you may not quite have enough income, profile too thin. Etc

 

These are cards you have if you have excellent credit and very few negs on your report.....

 

 

 


Barclay Ring

AMEX BCP

Chase Sapphire

Citi Diamond Preferred

AMEX Starwood

Citi AA Advantage

Cap1 Venture

 

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,361
Registered: ‎02-07-2010
0

Re: Hardest Credit Cards To Get - For "Normal" People?

[ Edited ]

saggy1 wrote:

Excluding the Amex Centurion, JPM Palladium and all other very high botique lines, that most do not know about or most can not get no matter how much they call the recon line lol.....

 

What cards are the hardest to obtain for the general public in your opinion. In other words anyone could get them as long as they have a nice profile and a good income. But even so, these card(s) you may not get accepted if you have one or to negs on a report etc, you may not quite have enough income, profile too thin. Etc

 

These are cards you have if you have excellent credit and very few negs on your report.....

 

 


Yes! perfect question for me to ask. DISAGREE with LS on this one, except one.

Barclay Ring. (possible)

Prestige CapOne (possible)

rest are definite to me.

 

Iberia Bank Cards

Simmons Bank Cards

VentureOne CapOne

Amalgamated Bank of Chicago Gold

Penfed cards

 

 

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Hardest Credit Cards To Get - For "Normal" People?


scottwagnon wrote:

saggy1 wrote:

Excluding the Amex Centurion, JPM Palladium and all other very high botique lines, that most do not know about or most can not get no matter how much they call the recon line lol.....

 

What cards are the hardest to obtain for the general public in your opinion. In other words anyone could get them as long as they have a nice profile and a good income. But even so, these card(s) you may not get accepted if you have one or to negs on a report etc, you may not quite have enough income, profile too thin. Etc

 

These are cards you have if you have excellent credit and very few negs on your report.....

 

 

 


Yes! perfect question for me to ask. DISAGREE with LS on this one, except one.

Barclay Ring. (possible)

Pristige CapOne (possible)

rest are definite to me.

 

Iberia Bank Cards

Simmons Bank Cards

VentureOne CapOne

Amalgamated Bank of Chicago Gold

Penfed cards

 

 


The general public are not going to know about these cards unless you do a search for them.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
0

Re: Hardest Credit Cards To Get - For "Normal" People?

Hold on. I live where Iberia Bank is headquartered, and I haven't even seen any advertisements for their credit products. What's so good about their cards?

Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
0

Re: Hardest Credit Cards To Get - For "Normal" People?


SwampSystems wrote:

Hold on. I live where Iberia Bank is headquartered, and I haven't even seen any advertisements for their credit products. What's so good about their cards?


http://www.iberiabank.com/personal/credit-cards/credit-cards-comparison-chart.html 

 

Aprs look to be some of the lowest around, although the rewards aren't great. 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Hardest Credit Cards To Get - For "Normal" People?


OptimasPrime wrote:

SwampSystems wrote:

Hold on. I live where Iberia Bank is headquartered, and I haven't even seen any advertisements for their credit products. What's so good about their cards?


http://www.iberiabank.com/personal/credit-cards/credit-cards-comparison-chart.html 

 

Aprs look to be some of the lowest around, although the rewards aren't great. 


Those rates dont look that hot to me. You can get close to or better with a CU and get nice CL's as well without having sqeaky clean credit.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Posts: 30
Registered: ‎03-04-2012
0

Re: Hardest Credit Cards To Get - For "Normal" People?

Low interest rates without annual fees. Currently in the range of 7.25 - 7.50%.

No interest in low interest rate credit cards?
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Hardest Credit Cards To Get - For "Normal" People?


MoneyPurchaseOptions wrote:

Low interest rates without annual fees. Currently in the range of 7.25 - 7.50%.


Yea, but most consumers inline with the requirements for those cards arent going to pay interest, their going to hit up a promo on a different card offer for 0%.

 

I guess to each is own, if you can get it why not Smiley Very Happy

 

Some people might not liek to play the promo/CB game.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Posts: 30
Registered: ‎03-04-2012
0

Re: Hardest Credit Cards To Get - For "Normal" People?

Some situations require immediate access to short term credit and don't allow time for an application of a 0% offer. I think not enough thought is given to interest rates with more thought of "name brand" card issuers. Marketing departments have succeeded by making their cards appealing in the short term with teaser attractions.

No interest in low interest rate credit cards?

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.