topic Re: Bank credit cards. in Credit Cards

Bank credit cards.

killer_queen229 — Thu, 13 Feb 2014 14:49:33 GMT

https://www.myhnbrewards.com/learnmore.aspx?source=ccrwdlm

What do you guys think of this card? If I wanted this card about around a year from January 2014 would it make sense for someone to apply for a card from a bank that isn't local (I'm in Massachusetts). I mean I really don't need another card (I'm actually trying to upgrade my Old Navy and TJX Rewards card). And what about Santander Bank (those are around here). https://www.santanderbank.com/us/personal/credit-cards/sphere

I like the idea of having card mixups like having a Discover card, a Chase card, an American Express card, a Capital One card etc.

Re: Bank credit cards.

Leadberry — Thu, 13 Feb 2014 15:12:33 GMT

@killer_queen229 wrote:
https://www.myhnbrewards.com/learnmore.aspx?source=ccrwdlm

What do you guys think of this card? If I wanted this card about around a year from January 2014 would it make sense for someone to apply for a card from a bank that isn't local (I'm in Massachusetts). I mean I really don't need another card (I'm actually trying to upgrade my Old Navy and TJX Rewards card). And what about Santander Bank (those are around here). https://www.santanderbank.com/us/personal/credit-cards/sphere

I like the idea of having card mixups like having a Discover card, a Chase card, an American Express card, a Capital One card etc.

I was under the impression that Huntington is still limiting this card to areas where they have a physical footprint. There were rumors that they'd be going national about this time but I have yet to see anything confirming that.

IMO, getting a CC from a non-local bank has no drawbacks that you wouldn't already have with a company like, say, American Express, Discover or Capital One.

Re: Bank credit cards.

killer_queen229 — Thu, 13 Feb 2014 15:16:41 GMT

I really don't want multiple cards from the same bank unless they're store cards, I like mixing it up.

Re: Bank credit cards.

Anonymous — Thu, 13 Feb 2014 16:10:55 GMT

@killer_queen229 wrote:
https://www.myhnbrewards.com/learnmore.aspx?source=ccrwdlm

What do you guys think of this card? If I wanted this card about around a year from January 2014 would it make sense for someone to apply for a card from a bank that isn't local (I'm in Massachusetts). I mean I really don't need another card (I'm actually trying to upgrade my Old Navy and TJX Rewards card). And what about Santander Bank (those are around here). https://www.santanderbank.com/us/personal/credit-cards/sphere

I like the idea of having card mixups like having a Discover card, a Chase card, an American Express card, a Capital One card etc.

Some banks have restrictions on obataining CCs if they do not have local branches, but many don't.

I also like the idea of having a card from each of the major networks... AMEX, Discover, MasterCard, Visa

Also, various banks offer differing rewards structures so I might use one card for fuel, another for groceries and another for online shopping to gain the most rewards. It's kinda fun for me. Some people would rather just have one card for everything though.

Re: Bank credit cards.

Themanwhocan — Thu, 13 Feb 2014 21:50:18 GMT

I see no indication that Huntington will ever grant credit cards outside of their footprint.

I even tried to get a checking account, just to get a foot in the door. I talked with a huntington personal banker less than 2 hours ago in fact, and they are just not allowing anything outside of where they have a bank.

Re: Bank credit cards.

Themanwhocan — Thu, 13 Feb 2014 21:55:07 GMT

Oh, and I like the Santander Bravo card's 3X on Gas,Grocery,Restaurants more than the Santander Sphere card.

Even so, there are better cards out there.

Re: Bank credit cards.

gdale6 — Thu, 13 Feb 2014 22:19:17 GMT

I will be getting my Huntington Voice card later this spring once I get to Michigan, I spend 5 months of the year there and will apply in person at a branch for all of it.

Re: Bank credit cards.

Anonymous — Thu, 13 Feb 2014 22:32:24 GMT

@Themanwhocan wrote:
Oh, and I like the Santander Bravo card's 3X on Gas,Grocery,Restaurants more than the Santander Sphere card.

Even so, there are better cards out there.

Right, Bravo is interesting, because of the high cap, $5000 of spend. So if you did spend that one of those categories, comparing with say Discover IT in a quarter it had the same:

Bravo: 15K points

Discover: 7,500 on first $1,500 then 3,500 on the rest, for a total of 11K points.

And if you spent $5K on groceries every quarter, you would get 60K points with bravo, compared to 50K with the BCP. (BC would get 74K)

So for certain spending patterns, might be worth it, especially with AF waived the first year.

Re: Bank credit cards.

killer_queen229 — Thu, 13 Feb 2014 23:49:24 GMT

Wish Hunington would allow you to apply if you aren't in the states their banks are in. I really can't think of any more cards to add within a year because nothing is appealing to me (done wasting inquiries on TD Bank and BOA. I was thinking of upgrading my Blue card to BCE but realized I already have 3 cashback cards which are IT, Freedom and Quicksilverone). I'm making it a goal that I want my Old Navy and TJX Rewards cards to be upgraded to Visa and Mastercards.. but unfortunately for now I just have to sit back and wait for them to give me those offers if they ever do.

Re: Bank credit cards.

Themanwhocan — Fri, 14 Feb 2014 00:05:04 GMT

@killer_queen229 wrote:
Wish Hunington would allow you to apply if you aren't in the states their banks are in. I really can't think of any more cards to add within a year because nothing is appealing to me (done wasting inquiries on TD Bank and BOA. I was thinking of upgrading my Blue card to BCE but realized I already have 3 cashback cards which are IT, Freedom and Quicksilverone). I'm making it a goal that I want my Old Navy and TJX Rewards cards to be upgraded to Visa and Mastercards.. but unfortunately for now I just have to sit back and wait for them to give me those offers if they ever do.

Yep, I can still occasionally find cards that interest me, but they are from small banks that consider me to be outside of their business area. Cmon now, its not like i'm in Iowa or something...