topic Re: What is your most annoying card... in Credit Cards

What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 03:05:18 GMT

I mean, the one that has the stupid low limit, but you use all of the time, and don't want to close because you like it....and you can't get a good CLI on?

Re: What is your most annoying card...

NRB525 — Sat, 12 Mar 2016 04:07:20 GMT

Well, I guess my Freedom card qualifies there. While I'm getting 10 points per swipe, and category points to boot, I'm using it like crazy. But I know (or at least the rumors tell me) that the points parade is going to end some day. So the "not knowing" when or if it will end is both a little annoying, and at the same time I can live comfortably in denial, thinking it will go on forever.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 04:24:23 GMT

@NRB525 wrote:
Well, I guess my Freedom card qualifies there. While I'm getting 10 points per swipe, and category points to boot, I'm using it like crazy. But I know (or at least the rumors tell me) that the points parade is going to end some day. So the "not knowing" when or if it will end is both a little annoying, and at the same time I can live comfortably in denial, thinking it will go on forever.

Are you sure it's not already gone? I thought it was nerfed along with the 10% bonus.

My one store card is a Brooks Brothers card with a low (and slightly odd) $1,560 CL. It still gives me a few gift cards and coupons, though, and I use it 3-4 times a year.

Edit: I guess I could get a CLI on it if I asked, but it's not worth a HP to me, and I wouldn't trust a Citi CSR that assured me it would be a SP.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 04:22:19 GMT

My CSP is so annoying stupid 5k limit stupid hard pull for CLI and they never increase it anyway !! Errr
.. but shamefully I really like the card ... come on Chase work with me here!!!

Re: What is your most annoying card...

NRB525 — Sat, 12 Mar 2016 04:25:00 GMT

@Anonymous wrote:
@NRB525 wrote:
Well, I guess my Freedom card qualifies there. While I'm getting 10 points per swipe, and category points to boot, I'm using it like crazy. But I know (or at least the rumors tell me) that the points parade is going to end some day. So the "not knowing" when or if it will end is both a little annoying, and at the same time I can live comfortably in denial, thinking it will go on forever.
Are you sure it's not already gone? I thought it was nerfed along with the 10% bonus.

My one store card is a Brooks Brothers card with a low (and slightly odd) $1,560 CL. It still gives me a few gift cards and coupons, though, and I use it 3-4 times a year.

Nope, I check it every day. Every day. Still there today.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 04:26:15 GMT

my freedom. lowest limit of all my cards, but i like it.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 04:32:01 GMT

Good to see...thought that was all done away with! Enjoy it while it lasts!

Re: What is your most annoying card...

galahad15 — Sat, 12 Mar 2016 04:39:18 GMT

My Barclay Ring card -- love the thing, but for the life of me, I can't seem to get a decent CL on it. To be fair though, the current limit of $1.9k is certainly better than the $500 SL it came with...

ETA: Also, my Cap1 NHM Ultra card (works like a Venture); have been trying to get Cap1 to give a CLI since just about forever, but they turn me down every time

Re: What is your most annoying card...

ddemari — Sat, 12 Mar 2016 04:37:35 GMT

Target redcard that I've had for 3 years with a $300 limit.
I use it several times a month, always on time and have tried letting a balance report, paying them a tiny bit of interest, and then usually just paying it off right after I use it because of the limit lol. Im jealous of people that got in with Target after 2013, those people are seeing a different target than me lol.

Re: What is your most annoying card...

CleanCredit — Sat, 12 Mar 2016 05:02:26 GMT

Wait, not to thread jack but how do you get the 10 pt bonus swipe on Freedom? I have a freedom and have never noticed that.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 05:07:21 GMT

@CleanCredit wrote:
Wait, not to thread jack but how do you get the 10 pt bonus swipe on Freedom? I have a freedom and have never noticed that.

I got mine in late 2013 and never had it. The rewards program has changed a lot on the card over time.

Re: What is your most annoying card...

Cookie2120987 — Sat, 12 Mar 2016 07:02:35 GMT

@Anonymous wrote:
My CSP is so annoying stupid 5k limit stupid hard pull for CLI and they never increase it anyway !! Errr
.. but shamefully I really like the card ... come on Chase work with me here!!!

My boss (corporate supervisor, mid six figure salary) has a Marriat Rewards card with only a $15,000 limit, he runs on average depending on his stays per month and how many of us go to other stores, $20,000 a month he said. Last year he put a little over $300,000 on it. Crazy spending, but he has he income to support it and it's reimbursed to him and than charged to the base restaurant using the stays, or in the other cases gas. (Or plane travel) his credit is NOT good, but he swears by the Marriat...lol

to the OP

my citi DC, my best rewards card besides gas and it's stuck at $1,000 I max it nearly every month between bills that make sense to pay, gas and work expenses.

Re: What is your most annoying card...

EdMan63 — Sat, 12 Mar 2016 14:35:07 GMT

My most annoying is a CU Visa I have. It's my first and oldest card and only has a $1500 limit. (22 yrs)! I won't close it but I just put recurring charges on it. I've considered asking for a CLI but I don't want a HP so it will just stay SD.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 14:54:43 GMT

When I look at all of you alls cards and limits that you consider annoying, I chuckle when I think of my annoying card.... My King Size Card... $150 limit.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 17:09:50 GMT

My Citi DC card. Lowest limit of al my cards that I like. I've put recurring payments on it, all my daily spend is now on my discover.

Re: What is your most annoying card...

Anonymous — Sat, 12 Mar 2016 18:30:37 GMT

My rebuilder USAA Classic AmEx. Aug 2015. SL 1k now 2K. Has a $35 AF, No rewards, No BT, No Cash Adv. APR 23%.

BUT...it's an AmEx that I've used at Costco and it's with USAA whom I'm attempting to show my credit use to. Hopefully they'll graduate me to a rewards card in the near future otherwise this is the only card on the chopping block in 2017. It's also my only non rewards card!

Re: What is your most annoying card...

Creditplz — Sat, 12 Mar 2016 18:33:27 GMT

U.S Bank Platinum, they gave it to me when I had a 603 score V3 or whatever and that was nice but I've improved by like 50 points and ran 3,000 through it since February and they won't offer a CLI with a $1100 limit..

Re: What is your most annoying card...

UncleB — Sun, 13 Mar 2016 00:07:53 GMT

@Anonymous wrote:
I mean, the one that has the stupid low limit, but you use all of the time, and don't want to close because you like it....and you can't get a good CLI on?

This one is easy... in my case, it's my BCP. I use the heck out of it (PIF each month) but I only have a $1k credit line.

Amex has turned down my CLI requests four times (!) now, so I've decided to just live with it the way it is. Their reason for denying the CLI is an account IIBK 16 years ago, so there's no way to 'remedy' the issue... it "is what it is". I am happy they gave me another chance, though, knowing how historically they have been very slow to forgive. I average $20 each month in rewards with the card, so I'm not going to 'pout' about the low credit line and put it in the SD... I make it 'work'.

Later in the year I might try for an ED card, and if approved after 13 months I'll move most of the limit over to the BCP, since I have very little interest in MR points.

Re: What is your most annoying card...

Anonymous — Sun, 13 Mar 2016 00:22:22 GMT

My lowest limit card is my Sallie Mae, but I don't think it's annoying at all. In fact, I love it and it gets the most use of all my cards. My most annoying card is my Quicksilver. I hate Cap One's "if you want a limit increase, app for another card so we can triple pull you" crap.

Re: What is your most annoying card...

red259 — Sun, 13 Mar 2016 00:48:55 GMT

Probably my citi hilton reserve. I can't close it for another three months without resetting the bonus. I'd like to ditch it. My most annoying card though is easily the citi prestige. It is a great card in terms of perks etc, but the design drives me up the wall with the black stripe on a dark background on the front of the card. 90% of the store clerks- restaurant employees have to be told how to swipe it. I have been using it for my restaurant spend lately, so in takeout places this issue always comes up.