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Lets make a list of subprime Credit Card companies. I'll start it off...
1: HSBC
2: Creditone Bank
3: Capital One
don't forget the subprime of the subprime the good old FIRST PREMIER
followed by household bank , bryant state bank, urban trust bank and continental finance
I'll play devil's advocate here.
The problem with making such a list is defining exactly what "subprime" means.
Is it just a matter of opinion or are you going to use certain parameters to decide what is and what is not subprime?
Are all Cap 1 cards subprime or just some of them? Which are which?
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Yea I gotta agree.
Cap 1 has some pretty hefty prime cards that are very hard to obtain in the 'excellent credit' category.
Thing is, most people get the Cap 1 rebuilder cards. Then toss them when they get their scores up. And then for whatever reason forget Cap 1 has cards that cater to higher tierd FICO's, and at that point in time label Cap 1 as subprime or whatever. Maybe it's because during the rebuilding process they get so angry with Cap 1 because they don't budge on CLI's as their credit profile grows. Totally understandable. I have been there, done that with them, but I know it is because I got a rebuilder card in the beginning. And don't misinterpret what I am saying as defending Cap 1. But I do think that because they tend to basically hand out the lower end cards, it's easy to forget that they actually do have some nice prime CC products.
Of course I am speaking from my experience, and just making a guess as to what others might be thinking here.
@Anonymous wrote:Yea I gotta agree.
Cap 1 has some pretty hefty prime cards that are very hard to obtain in the 'excellent credit' category.
Thing is, most people get the Cap 1 rebuilder cards. Then toss them when they get their scores up. And then for whatever reason forget Cap 1 has cards that cater to higher tierd FICO's, and at that point in time label Cap 1 as subprime or whatever. Maybe it's because during the rebuilding process they get so angry with Cap 1 because they don't budge on CLI's as their credit profile grows. Totally understandable. I have been there, done that with them, but I know it is because I got a rebuilder card in the beginning. And don't misinterpret what I am saying as defending Cap 1. But I do think that because they tend to basically hand out the lower end cards, it's easy to forget that they actually do have some nice prime CC products.
Of course I am speaking from my experience, and just making a guess as to what others might be thinking here.
I agree cap1 has a few nice prime cards, but its the company's reputation as a sub prime lender. For the matter of fact, they are a million times better than FP or credit one.
If I was to add another card to my collection it won't be a cap1 prime. I don't trust that their support staff knows how to handle prime customers.
It's more for the same reason that toyota sells lexus through a entirely different car company.
No one mentioned Tribute?