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Rank the starter cards please

Valued Contributor

Re: Rank the starter cards please

I closed my carecredit cc the day after i was approved for it because of all the negative reviews i read about them. They approved me for 5500 when my highest cl at that time was 2000.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 11 of 16
Moderator Emeritus

Re: Rank the starter cards please


jsickz32 wrote:
I closed my carecredit cc the day after i was approved for it because of all the negative reviews i read about them. They approved me for 5500 when my highest cl at that time was 2000.

 

That sounds like a shame -- that was a nice starting CL. Used responsibly, it's a good card. You simply have to be careful to make sure that you PIF before the interest free period for each purchase ends. My DH has one and we've had nothing but good experiences with it. I agree that it's an easy approval; he got it when his scores were still in the 500s.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 12 of 16
Valued Contributor

Re: Rank the starter cards please

I didnt know about GE back then (early 2011). I couldnt find anything but bad reviews about the card and i didnt know the things i know now about credit.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 13 of 16
Moderator Emeritus

Re: Rank the starter cards please


jsickz32 wrote:
I didnt know about GE back then (early 2011). I couldnt find anything but bad reviews about the card and i didnt know the things i know now about credit.

 

Yeah, I understand that... I shake my head at how much I didn't know when I first came onboard.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 14 of 16
Regular Contributor

Re: Rank the starter cards please

Starry,

 

Tinuviel makes a good point about the Care Credit that is worth mentioning- if you don't happen to pay off the amount before the 6 month interest-free period is over, the interest they do smack you with is obscene. I think mine is at 27%? So I would not recommend this card for anyone who is in the habit of spending money they don't have and carrying a balance long term. It is truly fantastic for people who want an interest free way to report credit for (medical) expenses they would otherwise be paying cash for. 

 

Also when I applied which was  maybe 1.5 years ago, I was told that I had been given the highest available CL. So I don't think they offer 5k limits anymore. Unless the rep who told me that was wrong. 

 

Good luck with it! Smiley Happy


Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Message 15 of 16
Valued Contributor

Re: Rank the starter cards please

Merrick seems to pretty friendly about giving people a card shortly after BK.  You have to be solicited though unless you go for their secured card.  I have had a secured card with them for 6 years.  I keep it open since it is the longest card in my file.  It is the only card I have with an AF and they never unsecure the card.  When it hits the 7 or maybe 8 year mark I am going to ask they make it unsecured or close the account.  I like them, but come on I have had the card for 6 years now.  I will certainly close it when I get a really good rewards card from a Prime lender!

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 16 of 16