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Prime credit cards versus sub-prime credit cards?

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vikingred
Frequent Contributor

Re: Prime credit cards versus sub-prime credit cards?


@One7 wrote:

@One7 wrote:

@Ysettle4 wrote:

@One7 wrote:

@Ysettle4 wrote:

@One7 wrote:

@Ysettle4 wrote:

In the sense of AMEX not granting credit to anyone unles your credit is fairly good. If you don't qualify for a "prime" level product then you don't qualify at all.

 

Chase.Citi,Cap One, Barclays have products that are geared towards those with "sub-prime" level credit ratings but there are "prime" lendors


Many people have gotten in with Amex with mid 600 scores. Just out of curiosity which Chase card is geard towards bad or subpar credit?


Scores are not the entire equation of how someone's credit profile is measured. I beleive the freedom card is geared towards the bottom - the entry level card.


The Amex charge cards and Delta are easier to get, doesnt mean they are geared towards people with lesser credit.


Charge cards vs credit cards - EDIT: except for delta.


I completely agree, but its still the same Amex "only prime lender because they dont give their cards to just anyone" that issues them


Sorry for arguing with you just that I have cards from every major issuer and Chase is by far my fave so I like to defend them. Smiley Happy



That's awesome. That's my goal.  Have I mentioned that I'd sacrifice my pinkie finger for a Diner's Club?

Message 81 of 87
Anonymous
Not applicable

Re: Prime credit cards versus sub-prime credit cards?

I wouldn't. How do you plan on making promises after that?
Message 82 of 87
Anonymous
Not applicable

Re: Prime credit cards versus sub-prime credit cards?

I had a Diner's Club 35 years ago. Never used it. Only got it so I could say I had one.

Message 83 of 87
vikingred
Frequent Contributor

Re: Prime credit cards versus sub-prime credit cards?


@Anonymous wrote:
I wouldn't. How do you plan on making promises after that?

I gots another pinky for that!  Man I swear, I want that DC worse than a Ritz Carlton, or anything else.  I've tried every possible way to snake my way in the backdoor too, social media, email execs, calling corporate services, trying to get one for my business.  Hell I even begged, and swore I wouldn't tell a soul if they gave me one.  Asked them to just pull a manual CR and do it over the phone.  NOPE.  I used all my powers and all my skills and it just ain't happening.  And I tell you what, it really feels like it very well could be over with.  I mean, I heard no hope at all in any of my talks and correspondence.  NONE.  I guess that's why I want one so bad.  That and other things.  But, yeah.  At least first digit of right pinky finger for a DC with a 40k limit.  I'd make that deal right now.  Smiley Surprised

Message 84 of 87
Anonymous
Not applicable

Re: Prime credit cards versus sub-prime credit cards?


@Anonymous wrote:

I had a Diner's Club 35 years ago. Never used it. Only got it so I could say I had one.


Got my first Diners Club Charge Card in 1973. So you are old too Smiley Wink

Message 85 of 87
Anonymous
Not applicable

Re: Prime credit cards versus sub-prime credit cards?


@ArmyVietVet wrote:

@Anonymous wrote:

I had a Diner's Club 35 years ago. Never used it. Only got it so I could say I had one.


Got my first Diners Club Charge Card in 1973. So you are old too Smiley Wink


Yes, I am. It's a good thing Amex does backdating because my file looks pretty silly with my oldest card at only 7 years. Smiley LOL

Message 86 of 87
One7
Valued Contributor

Re: Prime credit cards versus sub-prime credit cards?


@vikingred wrote:

@One7 wrote:

@One7 wrote:

@Ysettle4 wrote:

@One7 wrote:

@Ysettle4 wrote:

@One7 wrote:

@Ysettle4 wrote:

In the sense of AMEX not granting credit to anyone unles your credit is fairly good. If you don't qualify for a "prime" level product then you don't qualify at all.

 

Chase.Citi,Cap One, Barclays have products that are geared towards those with "sub-prime" level credit ratings but there are "prime" lendors


Many people have gotten in with Amex with mid 600 scores. Just out of curiosity which Chase card is geard towards bad or subpar credit?


Scores are not the entire equation of how someone's credit profile is measured. I beleive the freedom card is geared towards the bottom - the entry level card.


The Amex charge cards and Delta are easier to get, doesnt mean they are geared towards people with lesser credit.


Charge cards vs credit cards - EDIT: except for delta.


I completely agree, but its still the same Amex "only prime lender because they dont give their cards to just anyone" that issues them


Sorry for arguing with you just that I have cards from every major issuer and Chase is by far my fave so I like to defend them. Smiley Happy



That's awesome. That's my goal.  Have I mentioned that I'd sacrifice my pinkie finger for a Diner's Club?


Haha wow that's tough! I'm sure soon enough they will open the doors and you'll have one. Took me about two years to finally get them all and believe it or not Wells Fargo was the hardest. Had to go as far as opening an account there to have a relationship with them just to get the Propel card i wanted from them. Good luck with your Diners endeavor 

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Message 87 of 87
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