Best everyday usage Visa card

[Anonymous]

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@GatorsFan84 wrote:

NCFU is weird for me.  They loved me post BK and pretty much immediately gave me a preapproval for the Amex.  I've gone through 2 CLI but then all of a sudden the love stopped.  It's very strange.  I've used their preapproval tool and it doesn't say I'm preapproved for any of the cards.  I contacted customer service a few months ago to see if I could PC the Amex to one of the Visa cards and it was a no go.

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NFCU definitely allows product changes, I would call again. I PC'd my cashRewards to More Rewards and back again without a problem. 

Their prequal tool is useless. Only way to find out is to apply. 

[FormerCollegeDJ]

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@GatorsFan84 wrote:

Hi all,

Recently paid off all debt and I'm looking to find an everyday visa card to use for normal purchases.

Purchases will be: Dining, Groceries, Costco (which is why a visa), Gas, Shopping.  It doesn't have to have a huge CL and it will be paid off every month (if not twice a month).

I'm looking for the card that has the best customer service. Cash back / Points are good as well but really want a card that I can call customer service and get someone on the phone if needed.

I have a bankruptcy in my history but I have a ton of open accounts with 64+ months on time paid history with no balance. Credit score in mid 700s.  I don't think Chase will touch me but to be honest with some of the stories about their customer service lately, I'm not really looking at them.

Cards I currently have that have good customer service:

Discover it - $10k CL

Navy Fed Amex - $2k CL

I would appreciate thoughts and suggestions. Thanks!

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What credit union(s) do you belong to?  As was already suggested, if you can convert the Navy Federal card to a Visa, do that.  If you also belong to another credit union, see what cards they offer.  Some credit unions offer a Visa network card with 2% flat rewards.  (I know that because my primary credit union, PSECU, is one of them.)  Based on your rewards and customer service targets, I think a credit union card is your best bet.

If you're more willing to be open to Bank of America, the BOA Cash Rewards card could be a viable option.  I also recommend doing some searches for "best Visa credit cards" and to look for 1.5% flat rewards, Visa network cards (such as the Chase Freedom Unlimited, the Wells Fargo Cash Wise, and some flavors of the Elan Financial Services Real Rewards card, which are offered by various regional banks).

[Anonymous]

I would call navy again and try

to pc the Amex, it's not a credit risk situation if it hasn't been PCd or apr reduced in 12 months it should not be a problem