List Of The Best Credit Credit Cards Available

[jm00ser]

I've had good experiences with the Citi ThankYou family of cards. Generous starting CL and CLI with the LUV button online every 6 months. They were my highest limit for a while until Chase trumped it when I apped for SW RR. My Freedom limit was low as others have mentioned, but apped for it before I had the CL leverage!

[Anonymous]

Discover more has been good to me with limits. Had a capital one platinum that just reached 750 CL, only card I had. Had great scores and apped for the Discover more since they had been sending me pre approvals almost weekly. Instantly approved for a 5,500 CL, which is now 7,200 since they beat my United card at 6,200.

If you have a clean file and are in primeville Discover seems to be very generous. Plus they seem to want to beat any CL of future cards. I only use them for bonus cashback categories though.

Personally I would hold out on getting any other cards until next year at least due to that new Visa/MC lawsuit. I know I sound like chicken little but if it goes into effect it will greatly change the value of a rewards card. If you have the same generous rewards as now, then several merchants will tack on an extra charge for credit card purchases, especially low margin merchants and merchants that have little competition and will do it because they can. The rewards are never worth it if you are paying 3% for them each time, and trying to find a merchant that doesn't surcharge.

Even if there are no surcharges, interchange fees may be cut as a result leading to less generous rewards. So best to let the dust settle in the next 6 months and see what exactly happens.

[Anonymous]

I was in a similar position earlier this year.  I had 2 Cap One's at $750 and an Amex Gold card.  I decided to apply for the Chase Freedom and Amex Blue.  I went for the Freedom first and got $2,500, then a week later went for the Blue and got $6,000.  I'm pretty happy with those limits.

[Anonymous]

I really want to vouch for Citi Forward but they started devaluing the rewards program associated with that card. It's now equivalent of 2.5% cash back in bonus categories, still pretty good but not as good as it once was. 5 points per dollar on dining and entertainment, plus free cell phone insurance if you pay your bill with it. The redeeming value is you can (currently) cash in 6500 points for a $50 Amazon gift card, a return of 4.2%. Hopefully they don't take that away too.

[FicoTron]

Good call guys. October will be 6 months of history with my Gold card. I figure I'll go for the BCE then and hope for a decent limit since I push $1500 on my Gold every month, hopefully they'll take that into consideration. Its a soft pull even if I'm declined so then I'll go from there. Why does waiting til January help with backdating? It will still have my member since 2012 no matter when I get the card.

[Odiseous]

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@FicoTron wrote:
Good call guys. October will be 6 months of history with my Gold card. I figure I'll go for the BCE then and hope for a decent limit since I push $1500 on my Gold every month, hopefully they'll take that into consideration. Its a soft pull even if I'm declined so then I'll go from there. Why does waiting til January help with backdating? It will still have my member since 2012 no matter when I get the card.

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Because AmEx will report the card being opened In January 2012; instead of October 2012. That's 10 free months of account history.

[readyfireaim]

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@Odiseous wrote:

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@FicoTron wrote:
Good call guys. October will be 6 months of history with my Gold card. I figure I'll go for the BCE then and hope for a decent limit since I push $1500 on my Gold every month, hopefully they'll take that into consideration. Its a soft pull even if I'm declined so then I'll go from there. Why does waiting til January help with backdating? It will still have my member since 2012 no matter when I get the card.

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Because AmEx will report the card being opened In January 2012; instead of October 2012. That's 10 free months of account history.

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Why would AMEX consider January as part of 2012 instead of 2013?

[-Cain-]

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@FicoTron wrote:
Good call guys. October will be 6 months of history with my Gold card. I figure I'll go for the BCE then and hope for a decent limit since I push $1500 on my Gold every month, hopefully they'll take that into consideration. Its a soft pull even if I'm declined so then I'll go from there. Why does waiting til January help with backdating? It will still have my member since 2012 no matter when I get the card.

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If you open BCE in October, your card will have an open date of 10/2012. If you wait until January of next year, your card will have an open date of 01/2012, gaining an additional 10 months of age.

[-Cain-]

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@readyfireaim wrote:

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@Odiseous wrote:

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@FicoTron wrote:
Good call guys. October will be 6 months of history with my Gold card. I figure I'll go for the BCE then and hope for a decent limit since I push $1500 on my Gold every month, hopefully they'll take that into consideration. Its a soft pull even if I'm declined so then I'll go from there. Why does waiting til January help with backdating? It will still have my member since 2012 no matter when I get the card.

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Because AmEx will report the card being opened In January 2012; instead of October 2012. That's 10 free months of account history.

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Why would AMEX consider January as part of 2012 instead of 2013?

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Why ask why? It's an additional 10 months of age on the house!

[Odiseous]

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@readyfireaim wrote:

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@Odiseous wrote:

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@FicoTron wrote:
Good call guys. October will be 6 months of history with my Gold card. I figure I'll go for the BCE then and hope for a decent limit since I push $1500 on my Gold every month, hopefully they'll take that into consideration. Its a soft pull even if I'm declined so then I'll go from there. Why does waiting til January help with backdating? It will still have my member since 2012 no matter when I get the card.

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Because AmEx will report the card being opened In January 2012; instead of October 2012. That's 10 free months of account history.

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Why would AMEX consider January as part of 2012 instead of 2013?

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Because Ficotron already has an AmEx opened in 2012.  Amex backdates to the *year* of first having an account.

All future cards Ficotron gets, should report as being opened in (month of App) 2012.

Edit: all future cards *issued by AmEx*, should reflect opened in (month) 2012).