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City National Bank / Crystal credit card review

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New Contributor

Re: City National Bank / Crystal credit card review


@longtimelurker wrote:

@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 Smiley Very Happy


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.


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.

Chase Sapphire Reserve 34K | Chase Freedom Unlimited 28K | Chase Amazon 25K
Chase IHG 8.5K | Chase Freedom 5K | Chase Sapphire 3K
Bank of America Cash 40K | Bank of America Travel 40K
AMEX Everyday 25K | AMEX Delta 13K | AMEX Blue Cash Everyday 2.62K
Citi Rewards Plus 27K | Citi ThankYou Premier 18.7K
PenFed Pathfinder 5K | PenFed Platinum 5K
City National Bank Crystal Visa 15k
TD Cash 14K | Uber Visa 13K | USBank Cash+ 10K
Wells Fargo Cash Wise 6.5K | Discover IT 5.2K
Overstock 13K | Target RedCard 2.5K | Victoria Secret Angel 1K | LOVE LOFT .25K
BP Visa 5K | Walmart MC 3.3K

08/18: TCL 246.95K | AoOA: 18Y | AAoA: 5.0Y || TU: 820 | EQ: 823 | EX: 815 || INQ - TU: 3 | EQ: 3 | EX: 7
09/18: TCL 316.57K | AoOA: 18Y | AAoA: 3.4Y || TU: 808 | EQ: 812 | EX: 786 || INQ - TU: 6 | EQ: 5 | EX: 10
10/18: TCL 347.45K | AoOA: 18Y | AAoA: 3.2Y || TU: 802 | EQ: 803 | EX: 773 || INQ - TU: 5 | EQ: 5 | EX: 11
12/18: TCL 386.95K | AoOA: 18Y | AAoA: 3.1Y || TU: 805 | EQ: 813 | EX: 769 || INQ - TU: 5 | EQ: 4 | EX: 10
03/19: TCL 389.45K | AoOA: 18Y | AAoA: 3.3Y || TU: 811 | EQ: 809 | EX: 799 || INQ - TU: 5 | EQ: 5 | EX: 10
Message 11 of 15
New Contributor

Re: City National Bank / Crystal credit card review


@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?

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.

Chase Sapphire Reserve 34K | Chase Freedom Unlimited 28K | Chase Amazon 25K
Chase IHG 8.5K | Chase Freedom 5K | Chase Sapphire 3K
Bank of America Cash 40K | Bank of America Travel 40K
AMEX Everyday 25K | AMEX Delta 13K | AMEX Blue Cash Everyday 2.62K
Citi Rewards Plus 27K | Citi ThankYou Premier 18.7K
PenFed Pathfinder 5K | PenFed Platinum 5K
City National Bank Crystal Visa 15k
TD Cash 14K | Uber Visa 13K | USBank Cash+ 10K
Wells Fargo Cash Wise 6.5K | Discover IT 5.2K
Overstock 13K | Target RedCard 2.5K | Victoria Secret Angel 1K | LOVE LOFT .25K
BP Visa 5K | Walmart MC 3.3K

08/18: TCL 246.95K | AoOA: 18Y | AAoA: 5.0Y || TU: 820 | EQ: 823 | EX: 815 || INQ - TU: 3 | EQ: 3 | EX: 7
09/18: TCL 316.57K | AoOA: 18Y | AAoA: 3.4Y || TU: 808 | EQ: 812 | EX: 786 || INQ - TU: 6 | EQ: 5 | EX: 10
10/18: TCL 347.45K | AoOA: 18Y | AAoA: 3.2Y || TU: 802 | EQ: 803 | EX: 773 || INQ - TU: 5 | EQ: 5 | EX: 11
12/18: TCL 386.95K | AoOA: 18Y | AAoA: 3.1Y || TU: 805 | EQ: 813 | EX: 769 || INQ - TU: 5 | EQ: 4 | EX: 10
03/19: TCL 389.45K | AoOA: 18Y | AAoA: 3.3Y || TU: 811 | EQ: 809 | EX: 799 || INQ - TU: 5 | EQ: 5 | EX: 10
Message 12 of 15
New Contributor

Re: City National Bank / Crystal credit card review


@f4phantom2500 wrote:
Thanks for the write-up man, what bureau(s) did they pull for you?

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.

Chase Sapphire Reserve 34K | Chase Freedom Unlimited 28K | Chase Amazon 25K
Chase IHG 8.5K | Chase Freedom 5K | Chase Sapphire 3K
Bank of America Cash 40K | Bank of America Travel 40K
AMEX Everyday 25K | AMEX Delta 13K | AMEX Blue Cash Everyday 2.62K
Citi Rewards Plus 27K | Citi ThankYou Premier 18.7K
PenFed Pathfinder 5K | PenFed Platinum 5K
City National Bank Crystal Visa 15k
TD Cash 14K | Uber Visa 13K | USBank Cash+ 10K
Wells Fargo Cash Wise 6.5K | Discover IT 5.2K
Overstock 13K | Target RedCard 2.5K | Victoria Secret Angel 1K | LOVE LOFT .25K
BP Visa 5K | Walmart MC 3.3K

08/18: TCL 246.95K | AoOA: 18Y | AAoA: 5.0Y || TU: 820 | EQ: 823 | EX: 815 || INQ - TU: 3 | EQ: 3 | EX: 7
09/18: TCL 316.57K | AoOA: 18Y | AAoA: 3.4Y || TU: 808 | EQ: 812 | EX: 786 || INQ - TU: 6 | EQ: 5 | EX: 10
10/18: TCL 347.45K | AoOA: 18Y | AAoA: 3.2Y || TU: 802 | EQ: 803 | EX: 773 || INQ - TU: 5 | EQ: 5 | EX: 11
12/18: TCL 386.95K | AoOA: 18Y | AAoA: 3.1Y || TU: 805 | EQ: 813 | EX: 769 || INQ - TU: 5 | EQ: 4 | EX: 10
03/19: TCL 389.45K | AoOA: 18Y | AAoA: 3.3Y || TU: 811 | EQ: 809 | EX: 799 || INQ - TU: 5 | EQ: 5 | EX: 10
Message 13 of 15
Established Member

Re: City National Bank / Crystal credit card review

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.

Message 14 of 15
New Contributor

Re: City National Bank / Crystal credit card review


@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.


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.

Chase Sapphire Reserve 34K | Chase Freedom Unlimited 28K | Chase Amazon 25K
Chase IHG 8.5K | Chase Freedom 5K | Chase Sapphire 3K
Bank of America Cash 40K | Bank of America Travel 40K
AMEX Everyday 25K | AMEX Delta 13K | AMEX Blue Cash Everyday 2.62K
Citi Rewards Plus 27K | Citi ThankYou Premier 18.7K
PenFed Pathfinder 5K | PenFed Platinum 5K
City National Bank Crystal Visa 15k
TD Cash 14K | Uber Visa 13K | USBank Cash+ 10K
Wells Fargo Cash Wise 6.5K | Discover IT 5.2K
Overstock 13K | Target RedCard 2.5K | Victoria Secret Angel 1K | LOVE LOFT .25K
BP Visa 5K | Walmart MC 3.3K

08/18: TCL 246.95K | AoOA: 18Y | AAoA: 5.0Y || TU: 820 | EQ: 823 | EX: 815 || INQ - TU: 3 | EQ: 3 | EX: 7
09/18: TCL 316.57K | AoOA: 18Y | AAoA: 3.4Y || TU: 808 | EQ: 812 | EX: 786 || INQ - TU: 6 | EQ: 5 | EX: 10
10/18: TCL 347.45K | AoOA: 18Y | AAoA: 3.2Y || TU: 802 | EQ: 803 | EX: 773 || INQ - TU: 5 | EQ: 5 | EX: 11
12/18: TCL 386.95K | AoOA: 18Y | AAoA: 3.1Y || TU: 805 | EQ: 813 | EX: 769 || INQ - TU: 5 | EQ: 4 | EX: 10
03/19: TCL 389.45K | AoOA: 18Y | AAoA: 3.3Y || TU: 811 | EQ: 809 | EX: 799 || INQ - TU: 5 | EQ: 5 | EX: 10
Message 15 of 15
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