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Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Reverse recommendations?

What card would you tell people NOT to get?

 

For me, I would tell them to never get a Kroger 123 rewards card.  I would probably tell them not to get a store card unless they shop there on a near exclusive basis. 

 

What card is universally hated?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

Re: Reverse recommendations?

FP is what i would tell someone !!!!


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: Reverse recommendations?

Credit One!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Re: Reverse recommendations?

I would try to steer them away from Credit One and First Premier, and try to help them get a better builder!

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Senior Contributor
Posts: 3,915
Registered: ‎10-02-2012
0

Re: Reverse recommendations?

Obviously First P. Credit One all those cards that have high fees just so you can begin credit STAY AWAY, and as to store cards I would say just just store cards that will upgrade into a mastercard or visa once that happens usually your CL grows nd you can know use it ANYWHERE(ex. OLD NAVY, AE, WAL MART), if it doesnt upgrade then you better be sHopping THere alot so its worth it Smiley Wink

$300$300
(EQ FICO ---) (EX FICO ---) (TU FICO ---) Gardening Since 07/05/15 For All 3 Credit Bureaus
(EQ Inquiries --) (EX inquiries --) (TU Inquiries --)
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Valued Contributor
Posts: 1,485
Registered: ‎08-30-2011
0

Re: Reverse recommendations?


FutureBillionaire wrote:

What card would you tell people NOT to get?

 

For me, I would tell them to never get a Kroger 123 rewards card.  I would probably tell them not to get a store card unless they shop there on a near exclusive basis. 

 

What card is universally hated?


1 - Anything from HSBC/Cap 1

2 - Visa Black.  Pretender to the Throne of "Exclusive" or ultra-premium cards.  Have a warm body and $495 AF?  You've got it!

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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