Reply
Valued Contributor
Themanwhocan
Posts: 1,844
Registered: ‎04-04-2013
0

Re: Hardest credit card to get (excluding the obvious)

[ Edited ]

Open123 wrote:

For me, I think US Bank seems to be the most stringent.  My first card, they reviewed and interviewed me before approving it.


I walked into a US Bank after having one secured card for 1 year and no other credit history of any kind. They immediately approved me for $8,500.

 

Oh, and to stay on topic... get any credit card you want, as long as its a VISA Infinite :smileywink:


Contributor
phonic
Posts: 137
Registered: ‎12-30-2013
0

Re: Hardest credit card to get (excluding the obvious)

Ever since I established a good credit profile, the only issuer I've ever had a problem with was Barclays. Applied for the USAirways preferred card and got a decline. Forget why exactly, but I called the recon line and they did approve me right away with a $5k limit. I then immediately SD'd it since I just wanted the benefits. 

 


Limits: PRG=NPSL, CSP=$16k, BCP=$30k, DIT=$15k, USAA=$6k, CDW=$12.5k, IHG=$9k, BBY=$2k, BOA=$13k
Valued Contributor
takeshi74
Posts: 3,244
Registered: ‎06-05-2013
0

Re: Hardest credit card to get (excluding the obvious)

[ Edited ]

ghawdex wrote:

 

So, I want something that's a "Hard to get card" but one that may have some good benefits.

 


Define "good benefits".  One person's "good benefits" is another's "useless features".  Rather using difficulty as a primary criterion, I'd always recommend finding cards that suit your needs/wants.

 

"Difficult" can also vary if you're referring to underwriting criteria.  One may have difficulty with obtaining a given card while another may not.

Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: Hardest credit card to get (excluding the obvious)


w003ptr wrote:

US Bank Cash+ because you can't apply online.


If you call US Bank they can send you an email in which you can apply online !

1-800-444-1244

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
New Contributor
dabossman
Posts: 86
Registered: ‎02-26-2014
0

Re: Hardest credit card to get (excluding the obvious)

 

Dang you wade, that might just pull me out of the garden that i've only been in for 4 days

In the garden


TU: 741 EXP 746 EQ: 731 CK: 747 Discover Fico 749 Barclay Fico 749
Oldest to Newest Wells Fargo Student Card - 1500 CL. Clear Amex - 3500 CL Discover it - 3300 CL Cap1 Quicksilver - 3000 Cl AMEX BCE - 2500 CL Sallie Mae WMC - 5000 Chase Freedom - 1200 CL BoA Better Balance Reward - 900 CL


Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: Hardest credit card to get (excluding the obvious)

[ Edited ]

dabossman wrote:

 

Dang you wade, that might just pull me out of the garden that i've only been in for 4 days


I know it works I just called them yesterday and the banker said he could send an email or you can do it over the phone :smileyhappy:))) sorry I wasnt trying to get you out of the garden also it is fixing to make me lost my spade

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
New Contributor
dabossman
Posts: 86
Registered: ‎02-26-2014
0

Re: Hardest credit card to get (excluding the obvious)

i'm going to wait a few months tho, unfortuantely suffer the consequences of missing out on 5% dining and garden my SM 5k limit and wait to CLI my Amex BCE to above 5K so I can get the VISA siggy without a hitch.... 

In the garden


TU: 741 EXP 746 EQ: 731 CK: 747 Discover Fico 749 Barclay Fico 749
Oldest to Newest Wells Fargo Student Card - 1500 CL. Clear Amex - 3500 CL Discover it - 3300 CL Cap1 Quicksilver - 3000 Cl AMEX BCE - 2500 CL Sallie Mae WMC - 5000 Chase Freedom - 1200 CL BoA Better Balance Reward - 900 CL


Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: Hardest credit card to get (excluding the obvious)


dabossman wrote:

i'm going to wait a few months tho, unfortuantely suffer the consequences of missing out on 5% dining and garden my SM 5k limit and wait to CLI my Amex BCE to above 5K so I can get the VISA siggy without a hitch.... 


The cash+ is a hard nut to crack!!! Yeah you need a 5k limit maybe 2

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
New Contributor
dabossman
Posts: 86
Registered: ‎02-26-2014
0

Re: Hardest credit card to get (excluding the obvious)

got me licking my lips over here haha, but in 6 months i'll have 2 reporting cards with both over 5k limit and a raise at my job so i can have a larger income too

In the garden


TU: 741 EXP 746 EQ: 731 CK: 747 Discover Fico 749 Barclay Fico 749
Oldest to Newest Wells Fargo Student Card - 1500 CL. Clear Amex - 3500 CL Discover it - 3300 CL Cap1 Quicksilver - 3000 Cl AMEX BCE - 2500 CL Sallie Mae WMC - 5000 Chase Freedom - 1200 CL BoA Better Balance Reward - 900 CL


New Contributor
dabossman
Posts: 86
Registered: ‎02-26-2014
0

Re: Hardest credit card to get (excluding the obvious)

and pay off my car loan for the pluses

In the garden


TU: 741 EXP 746 EQ: 731 CK: 747 Discover Fico 749 Barclay Fico 749
Oldest to Newest Wells Fargo Student Card - 1500 CL. Clear Amex - 3500 CL Discover it - 3300 CL Cap1 Quicksilver - 3000 Cl AMEX BCE - 2500 CL Sallie Mae WMC - 5000 Chase Freedom - 1200 CL BoA Better Balance Reward - 900 CL



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}