Credit Card Center Advertiser Disclosure†
06-19-2013 04:05 AM
I've never had what most would consider to be a bad card on its face.
That said, my personal worst was my now closed US Bank Platinum Visa account. US Bank kept increasing the apr for no good reason and slashing my limit. Worst of all, they refused to remiburse me for fradulent charges that they acknowledged weren't mine, on the grounds that I didn't send in the requested fraud affidavit in a timely matter, which wasn't true. I saved a copy of the certified receipt, in addition to copies of paperwork mailed to them, after filling it out and notorizing it the same day I received it. I ended up having to file in small claims court against them before they finally settled the matter with me. Needless to say, I moved on shortly thereafter, as it was among the worst customer service I've ever received from any business.
My personal best to date is probably the Chase Sapphire Preferred account. Whenever I've called them about something, they were nothing but polite, professional, and helpful. They even doubled my limit from $5k to $10k after a year of having the account, and were excellent in removing some fradulent charges that had occured on a couple of occassions. The only thing I wish is that the apr was lower, but I almost never carry a balance on any of my accounts, so I won't complain about that too much.
06-19-2013 04:59 AM
Don't really have a bad card - but I only have 2.
I think my "bad" card is my BoA Rewards Signature... I think because I don't really utilize the rewards system very well. CL is I think $20K, I haven't bothered to really check or ask for a CLI.
My "good" card is my Disney Premier - used to be regular Disney but then I applied for the Premier upgrade. I like it because of the rewards system and because we visit the Parks every year. CL is $18,500 and I haven't asked for a CLI ever.
I would like a Palladium card though... but I'm so used to the Disney rewards system that I'm hesitant to get another card.
06-24-2013 04:39 PM - edited 06-24-2013 04:41 PM
My best card: Delta Cummunity CU Visa - Interest rate 9.75% (lowest available), pending charges usually post the next day, payments post immediately.
My worst card: Navy Fed nRewards Visa - Interest rate 13.99%, pending charges take DAYS to post, payments take DAYS to post.
I'm not sure why Navy has such a slow system as far as charges and payments go. With my DCCU card, I know I can beat the reporting date so that it shows zero. With NFCU, i'm lucky if it takes less than five days for a charge to post (I still have three pending charges from 6-21-13). Payments are almost as bad. It took four days once for a payment to actually post and the balance to adjust.
06-24-2013 04:49 PM - edited 06-24-2013 05:13 PM
Worst card First Premier at $350 CL. Annual fee was $75 + $9 per month, but what can I say, I was disparate. Since then, I am moving back toward good credit with a great deal of help coming from the forum! Best card currently is Chase Sapphire Preferred!
06-24-2013 04:55 PM
06-24-2013 05:05 PM
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
06-24-2013 05:17 PM
I only have two cards.....
Worst: Capital One Cash Rewards MC Which isn't exactly a bad card outside of the annual fee and small intial limit.
Best: Discover It, I was just approved for this card and I will be using it a lot.
06-24-2013 05:19 PM
Worst card First Premier at $350 CL. Annual fee was $75 + $9 per month
I had one of those. It was called First National Bank or something. lol That was one of the worst cards ever!
The best card for me would be Amex. They took me back in after awhile.
06-24-2013 05:25 PM
Worst Card: Capital One; $500 starting limit, no AF, 15.80 APR. Now closed. Never ever ever ever ever gave a CLI.
Best Card: Probably my Discover card. Beginning limit $7500, now $9000. No AF. I wish the APR was lower, but I'm still in the 0% interest until 01/2014, and I rarely carry a balance when I have to pay interest. Taxes are bad enough, lol.
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.