topic Re: Worst Credit Cards Known To Exist!? in Credit Cards

Worst Credit Cards Known To Exist!?

Tommy5746 — Fri, 19 Oct 2012 21:44:39 GMT

So, what do you guys think are the worst credit card out there now? We all know that subprime and rebuiler cards are a no brainer when trying to choose the worst card.. But what about the worst PRIME credit card? Just because a credit card is prime doesnt mean its a good one! So what do you guys think is the worst prime credit card too??

Re: Worst Credit Cards Known To Exist!?

cashnocredit — Fri, 19 Oct 2012 21:50:47 GMT

@Tommy5746 wrote:
So, what do you guys think are the worst credit card out there now? We all know that subprime and rebuiler cards are a no brainer when trying to choose the worst card.. But what about the worst PRIME credit card? Just because a credit card is prime doesnt mean its a good one! So what do you guys think is the worst prime credit card too??

Probably the card Citi graduated my secured card to. Essentially no rewards and a $29 AF. It did have a 25k CL left over from when it was secured so I guess it was "prime." OTOH, I did PC it to a world elite AA exec card. Stiff AF but good bennies if you fly AA frequently.

Re: Worst Credit Cards Known To Exist!?

CS800 — Fri, 19 Oct 2012 21:53:13 GMT

I vote First Premier

Re: Worst Credit Cards Known To Exist!?

Anonymous — Fri, 19 Oct 2012 22:02:25 GMT

any prime captial one ? no CIL wiht out act of God ?

Re: Worst Credit Cards Known To Exist!?

Revelate — Fri, 19 Oct 2012 22:07:14 GMT

Ooops didn't read full post beyond the topic. Should edit that to reflect your message

Depends on your needs, but my vote would be for an AF carrying, low-interest rate card as I PIF anyway when I'm fully employed. As a disclaimer, I think prime is a laughable term to apply to anything outside of describing FICO tiers, however much I've been guilty of in the past of doing that admittedly.

Re: Worst Credit Cards Known To Exist!?

flowfaster — Fri, 19 Oct 2012 22:09:32 GMT

OK here is a list of some of the worst "prime" cards. Guys this is just IMO so go easy but I fully plan to get flamed anyway.

Amex Green

Amex Gold

Citi Thank You Premier

Visa Black Card

...

Re: Worst Credit Cards Known To Exist!?

Anonymous — Fri, 19 Oct 2012 22:13:21 GMT

+1 to the Visa Black Card.

Re: Worst Credit Cards Known To Exist!?

Tommy5746 — Fri, 19 Oct 2012 22:18:26 GMT

@Anonymous wrote:
+1 to the Visa Black Card.

+1 again.. the visa black card by Barclays is a JOKE..

Re: Worst Credit Cards Known To Exist!?

Exonumist — Fri, 19 Oct 2012 22:49:45 GMT

Another one for the Visa Black card. I completely disagree about Green, Gold, and Thank You Premier though... The annual fees are the only bad thing about them and in most cases justifiable. IMO

Re: Worst Credit Cards Known To Exist!?

RockinRay — Fri, 19 Oct 2012 22:50:43 GMT

@CS800 wrote:
I vote First Premier

+ 1

Re: Worst Credit Cards Known To Exist!?

andre181 — Fri, 19 Oct 2012 23:11:34 GMT

Its not the worst card by any means, but my experiences with my Chase Freedom have convinced me to never do any business with Chase ever again. Their CS is terrible, rude, and more scripted and robotic than other bank I've dealt with.

My Chase Freedom is SD'd and will never be used again. They can close it for inactivity, I don't care. My Discover More is better and as such is my go-to card for almost everthing.

Re: Worst Credit Cards Known To Exist!?

cashnocredit — Fri, 19 Oct 2012 23:29:22 GMT

@andre181 wrote:
Its not the worst card by any means, but my experiences with my Chase Freedom have convinced me to never do any business with Chase ever again. Their CS is terrible, rude, and more scripted and robotic than other bank I've dealt with.

My Chase Freedom is SD'd and will never be used again. They can close it for inactivity, I don't care. My Discover More is better and as such is my go-to card for almost everthing.

Gosh, what happened! Have had zero problems with them since I opened one along with a checking acct last year. Even cashed in 8k points for a $100 gift card which seems like a deal.

Re: Worst Credit Cards Known To Exist!?

youngandcreditwrthy — Fri, 19 Oct 2012 23:43:32 GMT

I love Chase Freedom!!!

Any card from BOA or Citi is/are my vote(s)....

Re: Worst Credit Cards Known To Exist!?

Jazzzy — Fri, 19 Oct 2012 23:48:35 GMT

I think the worst prime card is Discover. Having to spend $3k EACH YEAR before you start getting even 1%.....no cash back if you shop at Walmart, Target, etc... I refuse to have $3k each year go down the drain with no rewards when there are so many other good options.

I use Discover for their 5% categories and once in a great while buy something through Shop Discover. Otherwise...useless. Also, call or email their customer service twice, and you will likely get 2 different answers. Can't trust them.

Re: Worst Credit Cards Known To Exist!?

youngandcreditwrthy — Sat, 20 Oct 2012 01:52:56 GMT

Oooo buurrrnnnn Jazzy!! LOL their cashback program is a little shady haha

Re: Worst Credit Cards Known To Exist!?

migliogiorni — Sat, 20 Oct 2012 02:13:56 GMT

Re: Worst Credit Cards Known To Exist!?

andre181 — Sat, 20 Oct 2012 02:37:52 GMT

@Jazzzy wrote:
I think the worst prime card is Discover. Having to spend $3k EACH YEAR before you start getting even 1%.....no cash back if you shop at Walmart, Target, etc... I refuse to have $3k each year go down the drain with no rewards when there are so many other good options.

I use Discover for their 5% categories and once in a great while buy something through Shop Discover. Otherwise...useless. Also, call or email their customer service twice, and you will likely get 2 different answers. Can't trust them.

You earn .25% on the first $3,000 annually, instead of the full 1% that other cards give you. If you do the math, you're only losing out on $22.50 of cash back. I consider that a small price to pay for far superior customer service than Chase or BoA. And in my experience, Discover's customer service has been as good or even slightly better than American Express. Discover has never done me wrong.

Totally not trying to brag or anything, but if you look at my signature, I have most of the more popular cash back cards from the prime banks and Discover More is my absolute favorite and I run about $3k per month through it, so I hit that $3k minimum very quickly.

And you do earn cash back at Walmart, Target, etc., but they are at .25%. But I use my Target card at Target for 5% off, and at Walmart I use my US Bank Cash+.

Re: Worst Credit Cards Known To Exist!?

Anonymous — Sat, 20 Oct 2012 04:05:59 GMT

Hands down Visa Black Card! That card is a joke

Re: Worst Credit Cards Known To Exist!?

jsucool76 — Sat, 20 Oct 2012 04:06:22 GMT

I'm going to say worst cards..since FP was already mentioned..

Anything from CreditOne...

and the Continental Finance Matrix and Cerulean cards...They run on the discover network so they deceivingly throw the discover logo all over their website to try to convince people it is a Discover Bank card.

Re: Worst Credit Cards Known To Exist!?

Denny33142 — Sat, 20 Oct 2012 04:18:09 GMT

@andre181

I think Chase Freedom is a top prime card and i am sure most people would agree with me, No Annual fee and 5% on rotating categories is hard to beat.

As for the worst Prime Card i would also say the Visa Black Card by far, $450 AF with rewards that are no better than the AMEX Green.