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Frequent Contributor
FutureBillionaire
Posts: 418
Registered: ‎12-12-2012

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 cash 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: US Bank Cash +, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Frequent Contributor
newportguy
Posts: 339
Registered: ‎11-11-2012

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 *****
Frequent Contributor
zerobacan
Posts: 445
Registered: ‎01-13-2013

Re: Reverse recommendations?

Credit One!

BBVA Compass $5k! SFCU $2k, SFCU LOC $2k, Paypal Smart Connect $2k, Discover iT 1.7k, Kay's $1.7k., Amazon $1.5k, Macy's $1.2k, , Walmart $1.5k, Capital $750, Victoria Secret $590, BestBuy RZ $700 SD, Capital $500, JC Penny $500 SD Credit1 $450 SD Target $200, 76/Citi $200 SD, Best quote ever "GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate"
Starting:TU:536 EXP:561 : EQ:552 Current:TU:717 Walmart (5-16-13)EXP:679 FICO (5-4-13):EQ:667 (FICO 5-11-13) Goal: 720 By 12-13 Officially in the Garden since May 8. too inqs & new accs.
href="http://goo.gl/0O9JU">Take the myFICO Fitness Challenge
Frequent Contributor
QAMngrGirl
Posts: 349
Registered: ‎11-28-2012

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: MAR'13 EQ 717/EX 710/TU 729 * Goal 750+ Gardening until 6/2013
Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

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:

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Established Contributor
thom02099
Posts: 782
Registered: ‎08-30-2011

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!


In The Garden 02/01/13
TU(TU04)=813 EQ(BEACON 9.0)=803 EX=756(4/2013) CL=$123,650 TOTAL/UTIL= ~5%

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