City National Bank / Crystal credit card review

[wdkwang]

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@longtimelurker wrote:

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@wdkwang wrote:

To your point, it is definitely something to get accustomed to while you get yourself set up in the beginning (Auto Pay / AUs), however, you get used to it fairly quickly. It also helps in appreciating the UI that other major banks provide

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I guess the key thing it to remember to do it!   Consumers Credit Union has a similar process for setting up auto pay.   Since I always set it up on my cards via a website, for some reason I assumed I had there, and after about 15 months, let the non-existent auto-pay take care of a payment, and then incurred interest and late fee!   Purely my mistake (well, also their fault for being clunky!) but sounds like you should do it first think with CNB!

Also, is there any airline transfer of points, or is it all booking through one of their portals.

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Thank you for your question. I've updated my original post to include your question and my answer to it. Please let me know if you have any additional questions.

[wdkwang]

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@jdbkiang wrote:
Thanks for the fantastic write-up!

As far as proof of income, for someone who is self-employed, what types of proof do you think could be accepted?

Also, what kind of credit history do you have? Recent inquiries or new accounts? Did you feel that was a major factor?

Edit: How does the $550 Airline Lounge Credit work?

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Thank you for your question. I've updated my original post to include your question and my answer to it. Please let me know if you have any additional questions.

[wdkwang]

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@Anonymous wrote:
Thanks for the write-up man, what bureau(s) did they pull for you?

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Thank you for your question. I've updated my original post to include your question and my answer to it. Please let me know if you have any additional questions.

[AlpedHuez]

Did the banker give any hard income figure as to the minimum they want to see from applicants? I definitely don't make triple figures.

[wdkwang]

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@AlpedHuez wrote:

Did the banker give any hard income figure as to the minimum they want to see from applicants? I definitely don't make triple figures.

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Thank you for your question. I've updated my original post to include your question and my answer to it. Please let me know if you have any additional questions.

[woodyman100]

@wdkwang I see a line through the Crystal Visa card.

Did you have a change of heart or opinion on the card?

[longtimelurker]

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@woodyman100 wrote:

@wdkwang I see a line through the Crystal Visa card.

Did you have a change of heart or opiniojn on the card?

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The card was very badly nerfed recently.

[woodyman100]

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@longtimelurker wrote:

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@woodyman100 wrote:

@wdkwang I see a line through the Crystal Visa card.

Did you have a change of heart or opiniojn on the card?

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The card was very badly nerfed recently.

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Well that sucks.
I will be in Vegas at Christmas and was gathering up docs for a branch visit

[Peteyglad]

I actually started up an online savings account with them last year just so I had a relationship to get things started in obtaining this card and it has been the most troublesome experience I have ever had with a bank. I couldn't imagine all the hassle of a credit card thorugh them if the experience is anything like I have had with just a savings account! 

[woodyman100]

I might just go for the 1.5 % card just to have a card from another bank in my collection