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Established Member
saggy1
Posts: 50
Registered: ‎07-26-2012
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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
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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:
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Valued Contributor
scottwagnon
Posts: 1,350
Registered: ‎02-07-2010
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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
LS2982
Posts: 15,434
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
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SwampSystems
Posts: 358
Registered: ‎06-25-2012
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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
OptimasPrime
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
LS2982
Posts: 15,434
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
MoneyPurchaseOptions
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
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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 :smileyvery-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
MoneyPurchaseOptions
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?

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