What Prime Lender Am I Missing?

[jamesdwi]

First National Bank of Omaha

[Anonymous]

I don't see CreditOne or First Premiere. Aren't those the epitome of prime?

Lol they're basically invitation only considering nobody would willingly apply. They send out invitations like hotcakes though so not exactly as exclusive as the Black card.

[revjamesl]

Ha. I've never had either one.

[Anonymous]

Fnbo

[CreditDunce]

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@Lincoln465 wrote:
I don't see CreditOne or First Premiere. Aren't those the epitome of prime?

Lol they're basically invitation only considering nobody would willingly apply. They send out invitations like hotcakes though so not exactly as exclusive as the Black card.

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Not true.   I have done my best to get in with CreditOne.  But they just won't pre-approve me. 

I started with one open CC.  Then over the past year, added a dozen new CC's plus some LOCs.  For the past couple of months I have been letting 2/3 of the cards report a balance. A few even more than 25% utilization.  I figured that would get my credit score low enough for them.  Still no dice.  They know I am a deadbeat (you know someone who pays in full every month).  I am just not their target customer it seems.  Maybe I need to set my sights on the Simmons once all of my new accounts age.

[Anonymous]

Simmons First

[revjamesl]

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@Anonymous wrote:

Simmons First

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Yes, and Iberia. Have to wait on those due to inquiries.

[Anonymous]

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@CreditDunce wrote:

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@Lincoln465 wrote:
I don't see CreditOne or First Premiere. Aren't those the epitome of prime?

Lol they're basically invitation only considering nobody would willingly apply. They send out invitations like hotcakes though so not exactly as exclusive as the Black card.

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Not true.   I have done my best to get in with CreditOne.  But they just won't pre-approve me. 

I started with one open CC.  Then over the past year, added a dozen new CC's plus some LOCs.  For the past couple of months I have been letting 2/3 of the cards report a balance. A few even more than 25% utilization.  I figured that would get my credit score low enough for them.  Still no dice.  They know I am a deadbeat (you know someone who pays in full every month).  I am just not their target customer it seems.  Maybe I need to set my sights on the Simmons once all of my new accounts age.

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You want a creditone. 

[Anonymous]

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@Anonymous wrote:

IMO they're not competitive 

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+1

[longtimelurker]

IMO you just need some issuer diversity, which can be acheived with 3 issuers (or 2 if pushed!)   Then get the cards that make sense for your spending and goals rather than trying to get something from each major issuer.   A particular issuer may have no good cards for you, so why get a subpar card?