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Re: The Rankings are in for 2012 - Anyone Surprised?


flowfaster wrote:

I agree that GE is way too low.  GE has been nothing but great to me.  I think I know why they are so low though.  It is probably because A. It is very hard to talk to a live person who can actually help. B. They approve with really low limits (average Joe is not going to know to call in every 4 months). C. the minimum payments are not enough to cover the balance before 0% financing expires and the average Joe does not know any better.


Well when you think about it that way, you are correct. They do put a notice though on your statement showing how much interest you accrue and how much you would have to pay if you don't pay off your balance by the promotional date. I guess your right about CLs people don't know about the every 4th statement thing!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
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Registered: ‎07-29-2012
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Re: The Rankings are in for 2012 - Anyone Surprised?

I love my Amex card but I don' see how Discover is #2 !! I've called both and Discover is ALL US base reps super easy to talk.

I guess you win some and loose some.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


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Re: The Rankings are in for 2012 - Anyone Surprised?


DeadSpider wrote:

I love my Amex card but I don' see how Discover is #2 !! I've called both and Discover is ALL US base reps super easy to talk.

I guess you win some and loose some.


Yep every single time you call Discover (contrary to what Dave Ramsy says lol) you get US based reps. AMEX (not that I don't love my cards) you just never know if you will get US based or overseas. Of course here latetly is seems mostly over seas.

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Regular Contributor
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Registered: ‎08-04-2012
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Re: The Rankings are in for 2012 - Anyone Surprised?

Discover is #1 for me then Amex. I'm not as high on Chase as others. It doesn't feel good to call a couple of times in a row only to be placed on hold then hung up on. Same goes for Citi. For me Capital One has treated me with more respect than those two.

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Posts: 267
Registered: ‎03-15-2012
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Re: The Rankings are in for 2012 - Anyone Surprised?

Just have to have the right numbers for customer service...numbers on the back of higher end cards:smileyhappy:

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Established Contributor
Posts: 651
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Re: The Rankings are in for 2012 - Anyone Surprised?

I was thinking that American Express position on that list would show greater seperation between it's nearest rivals.I've never had most of the cards on this list.Is the Discover card services really that great?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
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Re: The Rankings are in for 2012 - Anyone Surprised?



MountainHiker wrote:

I was thinking that American Express position on that list would show greater seperation between it's nearest rivals.I've never had most of the cards on this list.Is the Discover card services really that great?



Yes!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
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Registered: ‎05-26-2011
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Re: The Rankings are in for 2012 - Anyone Surprised?

Is this true for all of their cards? I'm new to Amex (one my second month), but I've only had US reps everytime I have called and they are really nice. Didn't know they had non-US reps at Amex, but I guess that is par for the course lately.

Feb. 2012: TU: 677 EQ: 647 EX: 666
Aug. 2013: TU: 729 EQ: 726 EX: 697
Goal 2013+: 720+ All Three
Regular Contributor
Posts: 244
Registered: ‎07-29-2012
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Re: The Rankings are in for 2012 - Anyone Surprised?

This list is BS IMHO I say Discover is #1 super nice and you can understand and don't have to repeat  yourself  !!! 

Few days ago I called Cap1 to PC my old card to CashReward and was transferred to US base rep in Virginia  WOW !! Didn't know they had US reps for Cap1. I guess more sensitive Sh!t goes to US reps LOL.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


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Re: The Rankings are in for 2012 - Anyone Surprised?


ComputerWizMaster wrote:

Is this true for all of their cards? I'm new to Amex (one my second month), but I've only had US reps everytime I have called and they are really nice. Didn't know they had non-US reps at Amex, but I guess that is par for the course lately.


Amex uses over seas reps it just depends on what time of the day you call and the product you have. The Zync card usually always gets over seas reps but the Blue Cash Everyday I've always gotten American reps. Not every card uses overseas reps. Discover uses none at all. Their CS is amazing, but they are usually slow with growing your account and the cash back has lousey limits just my opinion here of course.

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000

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