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Established Member
pinipig523
Posts: 30
Registered: ‎04-26-2013
0

Re: Which should I apply for? CSP or Palladium?


RhubarbPie wrote:
Yes, if you are flying in F or J, you will have lounge access.

What is F or J?

Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012
0

Re: Which should I apply for? CSP or Palladium?


pinipig523 wrote:

RhubarbPie wrote:
Yes, if you are flying in F or J, you will have lounge access.

What is F or J?


I think it's time to call a spade a spade, here.

 

The questions that you've asked in this thread, while entirely legitimate, demonstrate that you're not really the target market for the Palladium, despite your net worth.  

 

I suggest that you'll be entirely happy with the Sapphire Preferred and that the extra $500 in annual fee for the Palladium is a waste.  You simply won't use the features of the card that make it (questionably) worth more than the CSP.

Senior Contributor
jsucool76
Posts: 3,607
Registered: ‎12-11-2011
0

Re: Which should I apply for? CSP or Palladium?

You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.
New Contributor
RhubarbPie
Posts: 107
Registered: ‎01-31-2013
0

Re: Which should I apply for? CSP or Palladium?


djrez4 wrote:

pinipig523 wrote:

RhubarbPie wrote:
Yes, if you are flying in F or J, you will have lounge access.

What is F or J?


I think it's time to call a spade a spade, here.

 

The questions that you've asked in this thread, while entirely legitimate, demonstrate that you're not really the target market for the Palladium, despite your net worth.  

 

I suggest that you'll be entirely happy with the Sapphire Preferred and that the extra $500 in annual fee for the Palladium is a waste.  You simply won't use the features of the card that make it (questionably) worth more than the CSP.


Glad someone said it...

 

F is first, J is business.

Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Which should I apply for? CSP or Palladium?


jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Which should I apply for? CSP or Palladium?


bribro wrote:

jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.


Does JPM have one concierge for all of their products (palladium, select, etc.), or is there a seperate/differentiated service for each?

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Which should I apply for? CSP or Palladium?


CreditScholar wrote:

bribro wrote:

jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.


Does JPM have one concierge for all of their products (palladium, select, etc.), or is there a seperate/differentiated service for each?


The J.P. Morgan concierge is exclusive to the JPM Palladium card. As I understand it, they are a dedicated team at Circles that receive special training to handle J.P. Morgan clients. JPM Select uses the plan vanilla Visa Signature concierge, but they do have a dedicate team (like the Palladium and CSP) for customer service inquiries when you call the number on the back of the card.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

Re: Which should I apply for? CSP or Palladium?


bribro wrote:

jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.


+ 1.




Senior Contributor
jsucool76
Posts: 3,607
Registered: ‎12-11-2011
0

Re: Which should I apply for? CSP or Palladium?

Would you pay $595 a year just to upgrade from the regular Siggy concierge to the Pd? Lol
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Which should I apply for? CSP or Palladium?


jsucool76 wrote:
Would you pay $595 a year just to upgrade from the regular Siggy concierge to the Pd? Lol

I think it depends on how much $595 is for you, how much you value the service, and what the other alternatives are.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

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