topic Re: What's not in my wallet!! in Credit Cards

What's not in my wallet!!

DI — Tue, 12 Apr 2011 21:46:38 GMT

I will never carry any HSBC, GEMB and Capital One cards. They're all on my credit card wall of shame list.

Re: What's not in my wallet!!

hedgeclipper2 — Tue, 12 Apr 2011 21:51:33 GMT

I only carry GEMB Lowes, I can't pass up those 18 month no interest deals for projects around the condo.

Re: What's not in my wallet!!

Anonymous — Tue, 12 Apr 2011 22:06:27 GMT

I fired Chase for doing business dishonorably and not honoring offers. I'll probably not carry one of their cards for quite some time.

Re: What's not in my wallet!!

Anonymous — Tue, 12 Apr 2011 22:11:50 GMT

You know, I've heard this about Chase quite a few times!

Re: What's not in my wallet!!

DI — Tue, 12 Apr 2011 22:15:27 GMT

@Anonymous wrote:
I fired Chase for doing business dishonorably and not honoring offers. I'll probably not carry one of their cards for quite some time.

They better give me my $100 bonus when I spend $500 within 3 months. If not, there will be an uproar!! A Chase CC is not worth a new inquiry, but $100 sure is.

Re: What's not in my wallet!!

Imhotrodcrazy — Tue, 12 Apr 2011 22:18:03 GMT

@Anonymous wrote:
I fired Chase for doing business dishonorably

This is why I left Chase a couple of years back. I wouldn't trust Chase as far as I could throw their building. I would put my money under the mattress before going back to Chase.

Re: What's not in my wallet!!

Anonymous — Tue, 12 Apr 2011 22:24:34 GMT

@DI wrote:

@Anonymous wrote:
I fired Chase for doing business dishonorably and not honoring offers. I'll probably not carry one of their cards for quite some time.
They better give me my $100 bonus when I spend $500 within 3 months. If not, there will be an uproar!! A Chase CC is not worth a new inquiry, but $100 sure is.

Ya know what DI, I almost took the bait for the $150 they are offering on the Freedom card, but in the end, a new inquiry, lowered AA, and risk of them not paying me was not worth it.

Now people are chiming in on the same issues--oh Lord, did I start a flame war?!

Re: What's not in my wallet!!

DI — Tue, 12 Apr 2011 22:38:46 GMT

@Anonymous wrote:

@DI wrote:

@Anonymous wrote:
I fired Chase for doing business dishonorably and not honoring offers. I'll probably not carry one of their cards for quite some time.
They better give me my $100 bonus when I spend $500 within 3 months. If not, there will be an uproar!! A Chase CC is not worth a new inquiry, but $100 sure is.

Ya know what DI, I almost took the bait for the $150 they are offering on the Freedom card, but in the end, a new inquiry, lowered AA, and risk of them not paying me was not worth it.

Now people are chiming in on the same issues--oh Lord, did I start a flame war?!

This is the reason why Chase APRs are in the 20s. They have to find ways to keep the books balance at the expense of its existing customers. Existing cardholders pays for new cardholders cashback bonus.

Re: What's not in my wallet!!

Anonymous — Tue, 12 Apr 2011 22:57:44 GMT

My GEMB cards have been very good to me. Only reason I'm dealing with HSBC is because of my best buy store card have been getting nice CLI every six months. It's a done deal with me an Cap One will never look at one of there cards again an 3 inquiries is also not worth any of there products.

Re: What's not in my wallet!!

Anonymous — Tue, 12 Apr 2011 23:01:18 GMT

Discovers not in my wallet :-( I really want a discover as they have been good to my parents since 1987. At one point they were up to their limit and discover automatically extended their limit by 2 dollars. To this Day they still have a xx,xx2 dollar limit. I am planning on apply for a discover in 6 months.

Re: What's not in my wallet!!

Anonymous — Tue, 12 Apr 2011 23:29:27 GMT

I'm not going to totally bash Cap One an HSBC they help me rebuild an gave me a card when allot of major banks would not look at me so I'm grateful for that. My only issue they will not grow with you once your credit improves so at some point you have to move on an never look back.

Re: What's not in my wallet!!

trumpet-205 — Tue, 12 Apr 2011 23:56:34 GMT

A lot of people are bashing Capital One and HSBC for not giving CLI. Well, those cards are subprime afterall. Once you build enough relationship with them you could app separately for a prime card. Both HSBC and Capital One do offer prime card (for Cap 1, it is card in excellent requriement).

Right now I'm open to many cards I guess. Though Discover is getting close to a card I would not apply. 0.25% cashback on first $3000 (regualr purchase)? No thanks.

Re: What's not in my wallet!!

FicoScore626 — Wed, 13 Apr 2011 00:15:44 GMT

First Premier Mastercard and HSBC 2% Mastercard are cards that I have but don't physically carry in my wallet.

I have Nothing against HSBC, it's just that the card I have with them has such a low limit ($420) it doesn't really pay to do much with it even though it has the BEST APR out of all of my other credit cards and store cards.

Capital One keeps flooding my mailbox with preapproved offers every couple of days. The reasons I never accepted their offers were because I've read about a lot of people who got started out with low limits, most of the cards they offered me had annual fees and they pull from all three credit bureaus.

Re: What's not in my wallet!!

Anonymous — Wed, 13 Apr 2011 00:18:31 GMT

@Anonymous wrote:
I fired Chase for doing business dishonorably and not honoring offers. I'll probably not carry one of their cards for quite some time.

I just took the bait on the $150 back offer for the Freedom card. Now I hear this and I'm second guessing it.

As for cards I'd never carry: Citi, Discover, Cap One, First Premier, HSBC

Re: What's not in my wallet!!

Anonymous — Wed, 13 Apr 2011 00:33:49 GMT

@trumpet-205 wrote:
Once you build enough relationship with them you could app separately for a prime card. Both HSBC and Capital One do offer prime card (for Cap 1, it is card in excellent requriement).

Tried that last year with Cap One applied for Venture DENIED me can't remember for what reason. But i be damn if I take 3 hard hits from them again lol

Re: What's not in my wallet!!

tntexans72 — Wed, 13 Apr 2011 00:36:37 GMT

I like to have 2 of these cards in my wallet 1.5yrs down the road...hopefully than, my fico score will be 750+.

1. Capital 1 Venture (for oversea travel)

2. American Express Platinum (will be my 1st AX)

Until than, no more hard inquries. Garden, Garden, Garden......

What's in my wallet?

Chase Freedom $8K

Chase Freedom Exclusives $8K

Shell Gas Card $750

BB Store Card $750 (just got approved for)

Re: What's not in my wallet!!

Anonymous — Wed, 13 Apr 2011 00:49:04 GMT

@tntexans72 wrote:

no more hard inquries. Garden, Garden, Garden

I so agree I have one more card that I have my eye on but from what I hear it's a hard one to crack but I can wait 2 years for that until I'm inquiry free.

Re: What's not in my wallet!!

vish1 — Wed, 13 Apr 2011 00:51:46 GMT

@DI wrote:

@Anonymous wrote:
I fired Chase for doing business dishonorably and not honoring offers. I'll probably not carry one of their cards for quite some time.
They better give me my $100 bonus when I spend $500 within 3 months. If not, there will be an uproar!! A Chase CC is not worth a new inquiry, but $100 sure is.

They gave me my 100 happily in statement which closed after I finished my 800$ spending.