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Valued Contributor
Posts: 2,101
Registered: ‎04-04-2013
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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
Posts: 137
Registered: ‎12-30-2013
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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
Posts: 4,220
Registered: ‎06-05-2013
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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
Posts: 12,906
Registered: ‎08-13-2013
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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 - 828 (03/11/2015) Discover TU Fico - 826 (03/03/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 828 *** TU 826 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Contributor
Posts: 95
Registered: ‎02-26-2014
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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

Oldest to Newest Wells Fargo Student Card - 2400 CL. Clear Amex - 500 CL Discover it - 5300 CL Cap1 Quicksilver - 4500 Cl AMEX BCE - 6300 CL Sallie Mae WMC - 5000 Chase Freedom - 2200 CL BOA BBR 1 - 900 CL Citi Double Cash - 3400 CL Chase AARP - 2500 CL BOA BBR 2 - 1000 CL
Scores as of 3/15
EX (BOA PULL) - 745 TU (CK FAKO) - 760 TU (Discover and Barclay) - 760 EQ (CK FAKO) -761
Valued Contributor
Posts: 12,906
Registered: ‎08-13-2013
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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 - 828 (03/11/2015) Discover TU Fico - 826 (03/03/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 828 *** TU 826 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Contributor
Posts: 95
Registered: ‎02-26-2014
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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.... 

Oldest to Newest Wells Fargo Student Card - 2400 CL. Clear Amex - 500 CL Discover it - 5300 CL Cap1 Quicksilver - 4500 Cl AMEX BCE - 6300 CL Sallie Mae WMC - 5000 Chase Freedom - 2200 CL BOA BBR 1 - 900 CL Citi Double Cash - 3400 CL Chase AARP - 2500 CL BOA BBR 2 - 1000 CL
Scores as of 3/15
EX (BOA PULL) - 745 TU (CK FAKO) - 760 TU (Discover and Barclay) - 760 EQ (CK FAKO) -761
Valued Contributor
Posts: 12,906
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 - 828 (03/11/2015) Discover TU Fico - 826 (03/03/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 828 *** TU 826 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Contributor
Posts: 95
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

Oldest to Newest Wells Fargo Student Card - 2400 CL. Clear Amex - 500 CL Discover it - 5300 CL Cap1 Quicksilver - 4500 Cl AMEX BCE - 6300 CL Sallie Mae WMC - 5000 Chase Freedom - 2200 CL BOA BBR 1 - 900 CL Citi Double Cash - 3400 CL Chase AARP - 2500 CL BOA BBR 2 - 1000 CL
Scores as of 3/15
EX (BOA PULL) - 745 TU (CK FAKO) - 760 TU (Discover and Barclay) - 760 EQ (CK FAKO) -761
Contributor
Posts: 95
Registered: ‎02-26-2014
0

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

and pay off my car loan for the pluses

Oldest to Newest Wells Fargo Student Card - 2400 CL. Clear Amex - 500 CL Discover it - 5300 CL Cap1 Quicksilver - 4500 Cl AMEX BCE - 6300 CL Sallie Mae WMC - 5000 Chase Freedom - 2200 CL BOA BBR 1 - 900 CL Citi Double Cash - 3400 CL Chase AARP - 2500 CL BOA BBR 2 - 1000 CL
Scores as of 3/15
EX (BOA PULL) - 745 TU (CK FAKO) - 760 TU (Discover and Barclay) - 760 EQ (CK FAKO) -761
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