Reply
Established Contributor
FutureBillionaire
Posts: 641
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
newportguy
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
zerobacan
Posts: 726
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
QAMngrGirl
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+


Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,431
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 :smileywink:

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
thom02099
Posts: 1,323
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!

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 $10K / Chase Slate Visa $6K / 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 = 768 EQ = 828 TU = 834 - June/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+