topic Re: 2017 means new cards! in Credit Cards

2017 means new cards!

Creditplz — Sat, 21 Jan 2017 06:42:15 GMT

Hey everybody! Sooooo just checked my scores and I'm now at 769 EX Fico 8 , with all others above 750.. long ways from the 410 I was this time last year.

Anyways! Which cards should I get in 2017?. I'm looking to travel and I'm not sure what is better Citi Prestige or CSR... so I'm asking for your input 😂

Also I just want to know what the highest "luxury card" limit was that you guys have heard about! My friend showed me a 60k limit on his !!

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 07:24:17 GMT

Too late for CSR now... you missed the 100k bonus. It's still a good card compared to AMEX plat.

Some people have crazy limits. Don't worry about it. Just pay your balance on time.

Re: 2017 means new cards!

bettercreditguy1 — Sat, 21 Jan 2017 11:46:13 GMT

Only you have that answer. Apply for a card or cards you will use for your lifestyle. If You travel, get a travel card, etc. There are no right or wrong cards. Good luck in your journey.

Re: 2017 means new cards!

thummel — Sat, 21 Jan 2017 17:17:13 GMT

Didn't chase close your accounts with them last year? Would be surprised if you were able to pick up a CSR, but I wouldn't bother now that they nerfed the bonus. There's better options for that much of an annual fee right now.

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 17:28:33 GMT

@Anonymous wrote:
Too late for CSR now... you missed the 100k bonus. It's still a good card compared to AMEX plat.
Some people have crazy limits. Don't worry about it. Just pay your balance on time.

100K is still available in branch, if you are under 5/24 (and get approved)

Re: 2017 means new cards!

wasCB14 — Sat, 21 Jan 2017 17:45:05 GMT

@Creditplz wrote:
Hey everybody! Sooooo just checked my scores and I'm now at 769 EX Fico 8 , with all others above 750.. long ways from the 410 I was this time last year.

Anyways! Which cards should I get in 2017?. I'm looking to travel and I'm not sure what is better Citi Prestige or CSR... so I'm asking for your input 😂

Also I just want to know what the highest "luxury card" limit was that you guys have heard about! My friend showed me a 60k limit on his !!

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-Platinum-500-000-in-spending/td-p/4823898/page/4

Amex employee Pooka89 mentions seeing a $1M CL revolver.

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 18:26:01 GMT

I've seen a $64K limit on a CSR here..

Having high limits is cool and all but what's better is paying on time and getting the best rewards you can.

Re: 2017 means new cards!

wasCB14 — Sat, 21 Jan 2017 18:48:31 GMT

@Anonymous wrote:
I've seen a $64K limit on a CSR here..

Having high limits is cool and all but what's better is paying on time and getting the best rewards you can.

Having big limits is a lot more fun when you're doing things that actually require them! A $50k CL doesn't seem much to brag about if all a person does with it is spend $50 a month at Target.

Re: 2017 means new cards!

Themanwhocan — Sat, 21 Jan 2017 21:47:24 GMT

@wasCB14 wrote:
@Anonymous wrote:
I've seen a $64K limit on a CSR here..

Having high limits is cool and all but what's better is paying on time and getting the best rewards you can.
Having big limits is a lot more fun when you're doing things that actually require them! A $50k CL doesn't seem much to brag about if all a person does with it is spend $50 a month at Target.

I don't always spend $50 a month at Target. But when I do, I prefer to get 5% cash back with my REDcard.

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 21:51:46 GMT

@Themanwhocan wrote:
@wasCB14 wrote:
@Anonymous wrote:
I've seen a $64K limit on a CSR here..

Having high limits is cool and all but what's better is paying on time and getting the best rewards you can.
Having big limits is a lot more fun when you're doing things that actually require them! A $50k CL doesn't seem much to brag about if all a person does with it is spend $50 a month at Target.
I don't always spend $50 a month at Target. But when I do, I prefer to get 5% cash back with my REDcard.

HA! This sounds like The Most Interesting Man In The World commercials for Dos Equis.

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 21:55:43 GMT

@Anonymous wrote:
@Anonymous wrote:
Too late for CSR now... you missed the 100k bonus. It's still a good card compared to AMEX plat.
Some people have crazy limits. Don't worry about it. Just pay your balance on time.
100K is still available in branch, if you are under 5/24 (and get approved)

I thought I read a post yesterday that Chase prematurely closed down the 100K offer in the branches as of yesterday?

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 21:58:09 GMT

@Themanwhocan wrote:
@wasCB14 wrote:
@Anonymous wrote:
I've seen a $64K limit on a CSR here..

Having high limits is cool and all but what's better is paying on time and getting the best rewards you can.
Having big limits is a lot more fun when you're doing things that actually require them! A $50k CL doesn't seem much to brag about if all a person does with it is spend $50 a month at Target.
I don't always spend $50 a month at Target. But when I do, I prefer to get 5% cash back with my REDcard.

5%? How strange! I usually spend more than $50 a month at Target, but I always use discounted Target giftcards and get ~ 10% off.

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 21:59:52 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Too late for CSR now... you missed the 100k bonus. It's still a good card compared to AMEX plat.
Some people have crazy limits. Don't worry about it. Just pay your balance on time.
100K is still available in branch, if you are under 5/24 (and get approved)
I thought I read a post yesterday that Chase prematurely closed down the 100K offer in the branches as of yesterday?

The posts I saw were about preapprovals being removed from branches. So if you were over 5/24, that route was no longer available. But if you can get approved, 100K was still available.

Unless there were other posts...

Re: 2017 means new cards!

Anonymous — Sat, 21 Jan 2017 22:01:04 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Too late for CSR now... you missed the 100k bonus. It's still a good card compared to AMEX plat.
Some people have crazy limits. Don't worry about it. Just pay your balance on time.
100K is still available in branch, if you are under 5/24 (and get approved)
I thought I read a post yesterday that Chase prematurely closed down the 100K offer in the branches as of yesterday?
The posts I saw were about preapprovals being removed from branches. So if you were over 5/24, that route was no longer available. But if you can get approved, 100K was still available.

Unless there were other posts...

Yeah, I was mistaken. Just read the post on DoC. Thanks for the correction

Re: 2017 means new cards!

Creditplz — Sat, 21 Jan 2017 22:05:29 GMT

Yeah they closed them, and for a good reason! (Too many accounts opened too fast) but I'm making sure to stay under the radar with no inq and no new accounts! Actually going to close some..

Also I'm not saying I want a 1M CL just asking what the maximum is?. My usual spend is 8-11k monthly for my business (construction)

Re: 2017 means new cards!

Creditplz — Sat, 21 Jan 2017 22:07:21 GMT

Also I know I'm over 5/24 but I pre qualify for their CSP and FU.. usually get the mailers too

Re: 2017 means new cards!

Anonymous — Sun, 22 Jan 2017 01:55:10 GMT

@Creditplz wrote:
Also I know I'm over 5/24 but I pre qualify for their CSP and FU.. usually get the mailers too

Ok, then you'd be foolish to not take the CSP and FU. Anyone know if you can get in branch on the ink preferred? Has 80k URs.

Once you do chase, you would have to absolutely consider the combination of amex blue for biz 10x mrs on up to 2k of dining, 2x on up to 50k spend, plus 30% total bonus at year end, promo ends 2/1, as well as enhanced business platinum, if you already have the personal platinum, it is a powerful combo.

BoA Merril Lynch would be another one for 2 tickets up to 500 each or 500 cash.

What else have you been eyeing?

Re: 2017 means new cards!

Credit_hawk — Sun, 22 Jan 2017 02:14:51 GMT

How did you go from 400 to 760 in 1 year without doing questionable stuff? Is it that all your collections fell off in the year or did you just dispute everything on your file and cross your fingers it doesnt pop back up at some point?

Re: 2017 means new cards!

Creditplz — Sun, 22 Jan 2017 03:29:46 GMT

Lol, I sent letters of GW to the only creditor I had Cap1.. they helped me out and I paid my balance in full.. also I sent a letter of GW to FPB and they helped me out.. nothing "questionable" just persistence.

Never took credit seriously but I'm glad I wasn't too into trouble before I quickly took myself out.

Since then I've always PIF and take credit seriously

I'll probably go for the CSP if the pre-qualified stays, not much changing on my CR

Re: 2017 means new cards!

red259 — Sun, 22 Jan 2017 08:25:09 GMT

@Creditplz wrote:
Hey everybody! Sooooo just checked my scores and I'm now at 769 EX Fico 8 , with all others above 750.. long ways from the 410 I was this time last year.

Anyways! Which cards should I get in 2017?. I'm looking to travel and I'm not sure what is better Citi Prestige or CSR... so I'm asking for your input 😂

Also I just want to know what the highest "luxury card" limit was that you guys have heard about! My friend showed me a 60k limit on his !!

What do you mean you are looking to travel? Do you mean you are looking for a card that you can use when you travel or that you are looking for a signup bonus that will allow you to redeem flights/hotels whatever so you can travel? Are you going to travel international or domestic? Are you going to fly? Are you near an airport hub? What airlines do you use? etc etc. I see soo many people on here just picking up travel cards and wasting money on AFs when they can't even use the benefits based on their travel plans. The prestige is losing AA lounge access (think it may be gone for new card holders already but could be wrong). The signup on the CSR has been cut in half unless you apply and are approved in branch. I wouldn't worry about limits because seriously what is the point?If credit limits are your main concern then you would probably be better off going with a noAf card with a lender that does SP CLIs. That way you can keep the card long term and keep growing the credit line. By the way high credit lines are not all they are cracked up to be. I get high credit lines and then it causes problems after a few cards with the lender because I begin to hit my ceiling and end up having to call in to reduce credit lines just so I can pick up new cards. I have a 30k line on a Citi AA business card and I don't use the **bleep** thing at all.