07-10-2010 01:21 PM
Does anyone have one of these, or know anyone who has gotten one? Seems to be issued through Barclay.
07-10-2010 01:22 PM
Oh, and may I add. The girl in the commercial is, well, um...a motivating factor to want to own this card. lol
07-10-2010 01:38 PM
I don't know why anyone would want this card. It has a ridiculous AF at $495 and APR of 13.24%, but basically gives you the same features of a World Elite Mastercard or Amex Platinum.
You're better off getting an Amex Platinum at 450 a year or the Ameriprise World Elite Mastercard for 150 which has an APR of 6.24%.
07-10-2010 07:29 PM
My elder brother has this card for a while. It's been sock drawered for almost a year now. He's considering cancelling it and getting some amex gold or even the platinum. According to him, the worst part about it is the stupid concierge service. They never find you what YOU need, they only find the deal where THEY are making some sort of penny.
07-10-2010 08:04 PM
Now that's my kind of woman!
Unfortunately, she doesn't come with the card. I would pass on this.
07-11-2010 08:24 AM
$495 for a card which could easily have only a $500 CL? No, thank you.
Then again, there have been those who were approved for AMEX Platinum and had initial limits of ~$1000.
I think the whole issue is, that these cards are only of real value to those who meet the true demographic they are well suited: 1) Financially established; 2) Excellent credit; 3) Has other prime high limit cards 4) has a well established credit history.
Getting a Black Card before you are really financially and credit worthy is pretty hollow. You can't get huge CL's strictly from a high AF. If the shoe doesn't fit, pretending it does will not alter the facts.
Get one of these cards when they can actually mean something.
NOTE: If you want a really cool card, then go with CapOne that lets you DESIGN and upload your own card. Then get with someone who is Photoshop god and design the ultimate Black or Platinum cool design and then you can say you have a Black Card....LOL
07-11-2010 12:17 PM
If you want a really cool card, then go with CapOne that lets you DESIGN and upload your own card. Then get with someone who is Photoshop god and design the ultimate Black or Platinum cool design and then you can say you have a Black Card....LOL
Never thought about that i might try that. I wonder if they will let u put BLACK CARD on it?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.