Some through about what cc is better

[Anonymous]

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@Anonymous wrote:

would give some example ??? 

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JCB Card

CCB (Asia) Credit card

[Anonymous]

wow ,are you kidding ?THese card are better than bayclcard ???

[enharu]

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@Anonymous wrote:

I've read a lot review by them .seem like CSP can kill  Barlycard in anyway 

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the barclaycard and CSP are targetting very different groups of people. Just like a ferrari will always be faster than a honda civic, but that's not a fair comparison.

You have to take into consideration annual fees, credit score and history required to get the CSP.

All the "fancy" features CSP has cost Chase money to maintain. Chase, in turn, makes a profit out of this by offering it to a "lower" risk group of people who are much less likely to default and make money through AF, swipe fees and interests. Barclays on the other hand, wouldn't be as attractive if they charged an annual fee. Not everyone needs or want all the "shrills" in the CSP. Barclays also has to maintain a profit despite offering the card to a group of people whom are "more" likely to default compared to CSP. In order to maintain a net profit overall, the easiest way for them is to cut off unnecessary programs

So it's not entirely fair to discredit the Barclaycard by comparing it like this.

[Anonymous]

boss .Would be bother to apply bayclcard ????Thanks for share in your mind 

[enharu]

it really depends. can you tell me about your credit history? Some brief info and approximations will do, no need to give me specific numbers.

What do you mostly spend on as well? Do you leave a balance?

[Anonymous]

Thanks Boss .I'm big fan of credit  ,I alway pai in full .never carry a balance .I love to diner out ,travel  and shopping onile .I'm moved to US for Maylasia .I had credit history since 2011 i have a lot of inqu in my credit report because i love cc ,so avioding things getting worse ,I freeze all of my credit in 3bu .plan to let it freeze 12 months in order to get better card   :

         I have :

   AMEX Blus cash everyday  2K

   Citi dividend  1.2K

   BOA travel reward 3.5K

   Disocver it  5K

   Chase Freedom 8K

   Chase SW  2.3K 

I would looking for :

  CSP  

  USAA ( if it's Hight limit ?????)

  Fidelity American Express ( everything 2% cash back )

  Located credit union ????? 

  Barlycard (If them likely to closed my account after i opened new cc then i will not bother it at all )

     Thanks boss ,I woud like to heard your words 

[enharu]

i think you already have some very nice cards. 

if you want to add anything from barclays, you can check out their priceline visa. it also gives 2% back on everything.

other than that i think you're set to get the CSP once your inquiries fall off.

[Anonymous]

Thanks boss .I am set  out my final goal is CSP.,But would think the barclcard VS fedlixy  both offer 2% cash back which one wins ?

[bs6054]

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@Anonymous wrote:

Thanks boss .I am set  out my final goal is CSP.,But would think the barclcard VS fedlixy  both offer 2% cash back which one wins ?

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First, the disadvantages of the Fidelity card (this is the one I have): 

1) You need a have a Fidelity account.  It's easy to set one up, but a step too many for some

2) Amex is less accepted than Visa.  May not be an issue where you shop, but some small stores don't take it because of the swipe fees.

3) You need $50 in rewards to do anything.

4) Rewards post when statement closes, I think Priceline, like Capital One, post when the purchase posts.

5) No sign up bonus.  Priceline has $50.

Priceline doesn't need 1 of course, is more accepted, and works in $25 increments.

Once set up, Fidelity is simpler (sort of!).  Whenever my reward balance exceeds $50, $50 is automatically moved to my Fidelity investment account (and I then move it to my bank).  With Priceline, you choose a purchase made in the last 90 (?) days and use your rewards to credit against it.  Has to be at least $25.

But they are both good cards.

[enharu]

i think both are equal. it depends on which bank you want to build relationship with and which bank you think has better customer service.

there's some small differences however. priceline gives you 5% if you use priceline. If you dont, then disregard this feature.

fidelity amex gives u 2% back ONLY to your fidelity account. If you dont have an account with them, then that card is useless. priceline card gives you back rewards as statement credit.

fidelity cards are by FIA, which is by BofA. Priceline card is by Barclays