topic Re: Great cards to age with??? in Credit Cards

Great cards to age with???

Anonymous — Mon, 30 Jul 2007 11:39:53 GMT

LOL, it sounds weird but what I mean is what cards out there should people leave open at all times? A great company that you would love to see age for years and years and still have it open 20 or 30 years from now?

There are two companies I wouldn't mind aging with right now but I'm sure there are more...

American Express
Citi Bank

What do you think?

Re: Great cards to age with???

Anonymous — Mon, 30 Jul 2007 12:35:27 GMT

If you don't visit Europe regularly I wouldn't bother with AMEX , unless you can spend 6.5K on the card, to get 5% on every day purchases and 1.5% every thing else over 6.5 annually, with their blue card, it might be worth dealing with fact, that if they think you have to much available credit they will freeze your account without notice till you provide them with tax returns I may be wrong be it seems to that AMEX is losing popularity in the US, while more places seem to be taking Discover. I have learned one reason merchants would possibly shy away from AMEX, because they take their fee right off the top, like the way payal works, where as Visa and mastercard(haven't herd about Discover) send merchants a bill. I'm buying Fico Deluxe some time in August after my reports update, I'm guessing they all will be 750+ also I'm buying my Experian Vantage score just for kicks, so they can tell me how horrible my credit is, they are always my lowest score cause they get queried the most. and if my scores are that high, I'm applying for Discover More card, you can get cash with your pin at walmart just like a debit card, and it doesn't count as a cash adance

Re: Great cards to age with???

fused — Mon, 30 Jul 2007 18:19:10 GMT

jizoe182 wrote:
LOL, it sounds weird but what I mean is what cards out there should people leave open at all times? A great company that you would love to see age for years and years and still have it open 20 or 30 years from now?

There are two companies I wouldn't mind aging with right now but I'm sure there are more...

American Express
Citi Bank

What do you think?

As far as scores go it really doesn't matter which CCs you have, they age the same. But as far as maintaining a long-term relationship, Amex and FIA.

Re: Great cards to age with???

MidnightVoice — Mon, 30 Jul 2007 18:47:33 GMT

Chase airmiles for the free flights on United. and Juniper because it reminds me of where I grew up

And never, ever, an AMEX card

Re: Great cards to age with???

fused — Mon, 30 Jul 2007 19:00:25 GMT

MidnightVoice wrote:
Chase airmiles for the free flights on United. and Juniper because it reminds me of where I grew up

And never, ever, an AMEX card

How about applying for an Amex Cingular (AT&T again) Card which comes with a free FICO EX score.

Re: Great cards to age with???

MidnightVoice — Mon, 30 Jul 2007 19:12:31 GMT

fused111 wrote:

How about applying for an Amex Cingular (AT&T again) Card which comes with a free FICO EX score.

That would be #1 on my list of the 5 cards I never want to have AMEX #2

I was thinking of making a thread about the 5 cards you really, really don't want to have

Re: Great cards to age with???

fused — Mon, 30 Jul 2007 19:28:48 GMT

MidnightVoice wrote:

fused111 wrote:

How about applying for an Amex Cingular (AT&T again) Card which comes with a free FICO EX score.

That would be #1 on my list of the 5 cards I never want to have AMEX #2

I was thinking of making a thread about the 5 cards you really, really don't want to have

JK, no such Amex card!

Do it, create the thread! I bet it will turn into a huge world record size thread complete with Amex bashing! Do it! Do It!

Re: Great cards to age with???

ccaddict — Mon, 30 Jul 2007 20:19:27 GMT

How about the first card you ever had (unless it sucked).. I guess I'll always have my BoA since it was difficult to get any cc and they were the first to give me one.

Re: Great cards to age with???

fused — Mon, 30 Jul 2007 20:23:10 GMT

ccaddict wrote:
How about the first card you ever had (unless it sucked).. I guess I'll always have my BoA since it was difficult to get any cc and they were the first to give me one.

Very true!

Re: Great cards to age with???

andyaycw — Mon, 30 Jul 2007 20:55:30 GMT

I've had nothing but great experiences with Citibank, highly recommended and I think I'll keep my accounts with them for a very, very long time.

Message Edited by andyaycw on 07-30-2007 01:55 PM

Re: Great cards to age with???

Anonymous — Mon, 30 Jul 2007 20:55:57 GMT

The first card that I had was CAP 1 secured. It has a history from 1995. I have to pay a year fee of $35. Even if I never use it, I would never cancel it. It is no longer secured!

My other cards have time on them but not as much. These I use as there is no year fee.