topic Re: Another CC? Which One? in Credit Cards

Another CC? Which One?

Anonymous — Mon, 08 Jul 2013 21:28:04 GMT

So, after getting approved for the Discover It but for a measly $2K, I'm thinking about getting another CC, since my FICO score is 760 at the moment. Any suggestions which one? Here are the CCs I already have (i.e., the ones that report as "real" CCs on my CR):

- PayPal Smart Connect $10K

- Barclay Rewards $6K

- Chase Freedom $5K

- Discover It $2K (New)

I've also got 3 store cards:

- Nordstrom $6K

- Amazon (GE) $4K

- J.Crew $2K

I'm leaning towards BOFA, just because I already have a closed account with them (my parents' fault, for opening and closing a CC under my name without ever telling me). However, I really have no preference and will happily field all suggestions. My primary criteria are: no AF, high CL, and good rewards. Secondary criteria (i.e., not as important or "necessary") would be: SP or auto-CLIs, decent customer service, and ideally a CC that I could conceivably happily use for at least the next several years.

Thanks!

Re: Another CC? Which One?

Anonymous — Mon, 08 Jul 2013 21:31:08 GMT

How about citi? There's a 5X gas, groceries and drug store offer going on for the thank you card. You have to apply in a branch.

They are pretty generous with CLs, but can be quirky sometimes about approval odds.

CLIs can be SP or HP. Customer service is uh, barely decent I suppose.

Re: Another CC? Which One?

CBTS — Mon, 08 Jul 2013 21:52:44 GMT

I'd also consider AMEX BCE. 3% on groceries, 2% on gas, 1% everything. CLIs are SPs and the customer service is top-notch.

Re: Another CC? Which One?

youngandcreditwrthy — Mon, 08 Jul 2013 22:57:32 GMT

Avoid Citi, get Amex!!!!!
Great rewards cards with high CL!

Re: Another CC? Which One?

Creditaddict — Mon, 08 Jul 2013 23:00:49 GMT

American Express HANDS DOWN!

Re: Another CC? Which One?

Anonymous — Mon, 08 Jul 2013 23:03:45 GMT

Haha yea. I do agree with applying for American Express. For some reason it just slipped my mind.

Re: Another CC? Which One?

FinStar — Mon, 08 Jul 2013 23:06:03 GMT

@Anonymous wrote:
How about citi? There's a 5X gas, groceries and drug store offer going on for the thank you card. You have to apply in a branch.

They are pretty generous with CLs, but can be quirky sometimes about approval odds.

CLIs can be SP or HP. Customer service is uh, barely decent I suppose.

You have various choices. I have AMEX, Citi, BofA, Chase, etc. I have never experienced any issues with any of them. It also depends on what your credit goals are (rewards, service, overall benefits, etc.). Everyone's experience with each lender will vary though.

Re: Another CC? Which One?

Anonymous — Mon, 08 Jul 2013 23:54:54 GMT

I would recommend Citi or Amex whichever cards works for you. Amex is more generous in cli.

Re: Another CC? Which One?

Anonymous — Mon, 08 Jul 2013 23:57:45 GMT

@FinStar wrote:
@Anonymous wrote:
How about citi? There's a 5X gas, groceries and drug store offer going on for the thank you card. You have to apply in a branch.

They are pretty generous with CLs, but can be quirky sometimes about approval odds.

CLIs can be SP or HP. Customer service is uh, barely decent I suppose.
+1

You have various choices. I have AMEX, Citi, BofA, Chase, etc. I have never experienced any issues with any of them. It also depends on what your credit goals are (rewards, service, overall benefits, etc.). Everyone's experience with each lender will vary though.

+1 And although I'm personally not a fan of Cap1, people have had some good things to say about their Quicksilver card. But Chase, Citi, BoA, Amex, & Discover have all been good to me.