Sorry this happened to you, but thanks for sharing so others can stay away .
@CreditCuriosity wrote:I dumped it a few months ago as they refused to pay sign-on bonus that was targeted for went back and forth and they never called back when they said they would etc. Was only $100, but if a company with proof won't honor that, what else won't they honor? Sofi Personal loan rates arent really competitive anymore either as they were known as the lowest at one point now they kidna are in the. middle. They just seem to not really know what they want do they want to be a bank a SL lender, etc? two many other option and a 9500 cl was pretty laughable which made me shy away for other cards with more cushion if i needed it due to the no cli clause. Some people got great CL's from the start others with good scores and incomes didn't get as fortunate. Nice thing there are many option in the 2-3% space now. AOD is certainly my go to for non-cat spending. and hopefully it remains.
Interesting. I too had trouble collecting the agreed signup bonus from them (it was $200). I eventually got it, after complaining to the CFPB.
@cws-21 wrote:
@longtimelurker wrote:
@cws-21 wrote:Thank you for the post, @SouthJamaica. I have been seriously considering the SoFi Credit Card to replace my AOD Visa Signature if/when it is nerfed for existing customers. I will likely find a different alternative between your experiences and those of @longtimelurker.
I only got it for the no FTF 2% with not too many strings attached, which at the time was relatively rare. I got a $30K SL so lack of CLIs wasn't an issue, but there are certainly lots of alternatives now, each with their own quirks.
I have been seriously considering it because it is, specifically, a "no FTF 2% [Mastercard] with not too many strings attached." I think the SoFi might still be the only one of its kind in that respect. I have multiple no FTF Visas, but I am lacking a no FTF Mastercard (unless my Target RedCard converts, but that may never happen).
FirstTech and I think there was one more a few years ago with no FTF and no PIN at least (one of the MC World Elite IIRC or whatever it was called) with a hefty AF, but the SOFI 2% is a darned nice feature on no-FTF MC.
I may never travel outside of the country again so that is kind of moot for me, and where I went before I happily swiped my CSR for literally everything.
@SouthJamaica wrote:
@CreditCuriosity wrote:I dumped it a few months ago as they refused to pay sign-on bonus that was targeted for went back and forth and they never called back when they said they would etc. Was only $100, but if a company with proof won't honor that, what else won't they honor? Sofi Personal loan rates arent really competitive anymore either as they were known as the lowest at one point now they kidna are in the. middle. They just seem to not really know what they want do they want to be a bank a SL lender, etc? two many other option and a 9500 cl was pretty laughable which made me shy away for other cards with more cushion if i needed it due to the no cli clause. Some people got great CL's from the start others with good scores and incomes didn't get as fortunate. Nice thing there are many option in the 2-3% space now. AOD is certainly my go to for non-cat spending. and hopefully it remains.
Interesting. I too had trouble collecting the agreed signup bonus from them (it was $200). I eventually got it, after complaining to the CFPB.
I am curious @SouthJamaica, what is your favorite credit card? You seem pretty practical, much like myself. I am very drawn to AmEx because they make things easy and the customer service is good. But I obviously have diversified my portfolio with many different lenders.
@RehabbingANDBlabbing wrote:
@SouthJamaica wrote:
@CreditCuriosity wrote:I dumped it a few months ago as they refused to pay sign-on bonus that was targeted for went back and forth and they never called back when they said they would etc. Was only $100, but if a company with proof won't honor that, what else won't they honor? Sofi Personal loan rates arent really competitive anymore either as they were known as the lowest at one point now they kidna are in the. middle. They just seem to not really know what they want do they want to be a bank a SL lender, etc? two many other option and a 9500 cl was pretty laughable which made me shy away for other cards with more cushion if i needed it due to the no cli clause. Some people got great CL's from the start others with good scores and incomes didn't get as fortunate. Nice thing there are many option in the 2-3% space now. AOD is certainly my go to for non-cat spending. and hopefully it remains.
Interesting. I too had trouble collecting the agreed signup bonus from them (it was $200). I eventually got it, after complaining to the CFPB.
I am curious @SouthJamaica, what is your favorite credit card? You seem pretty practical, much like myself. I am very drawn to AmEx because they make things easy and the customer service is good. But I obviously have diversified my portfolio with many different lenders.
I don't really have a favorite. I like to diversify, and don't try to maximize rewards. On spending my approach is to have some decent rewards cards, and alternate among them each month. The only maximization I do is to try to avoid 1% returns when I can.
For spending some of my favorites are Chase Amazon Prime Visa, Citi DoubleCash Mastercard, Citi Premier Mastercard, Amex Blue Cash Everyday, Amex Hilton Honors, and possibly my new Comenity AAA Travel Advantage Visa.
For money management some of my favorites are PenFed Promise Visa (no longer being offered), Navy Platinum Visa, BECU Platinum Visa, Vantage West Connect Visa (no longer being offered outside of geo-fence), and Unify Platinum Visa.
