SubPrime and Prime CC?

[Anonymous]

what is the different between suprime and prime cc..

subprime come with AF?

Prime is no AF?...

[LS2982]

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@Anonymous wrote:

what is the different between suprime and prime cc..

subprime come with AF?

Prime is no AF?...

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Prime is basically great rewards with little to no AF. Excellent CL's and great customer service.

Subprime is pretty much the opposite of all of that

[Anonymous]

so if a prime cc have AF with a decent CL it is a good card..

[webhopper]

It depends on the individual User. If the User uses the card a lot; the AF may be a good investment for. Larger net gains in that same year.

[LS2982]

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@Anonymous wrote:

so if a prime cc have AF with a decent CL it is a good card..

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Depends on the actual AF and CL numbers. Also how CLI friendly they are counts.

[Anonymous]

Prime == Beauty

It's in the eye of the beerholder.  errr.. beholder.

If a card serves your needs and you consider it a great card, you consider it "prime."

Many other won't.  Many cards others have, you may not consider "prime."  There is no set definition.

People that treat their Amex card like a little child because they are afraid to use it certain places in fear of FR... I consider that a subprime card.  But most people think Amex is super-prime.  My NFCU card is available to a lot of people with not-so-great credit files, but I consider it my "primest" card at this point because they offer me 0% BT with no transfer fee and no AF.

My Chase Sapphire Preferred has great rewards and great customer service.. but I pay an AF for it (at least I will NEXT year after the 1st year is up) and the credit line is 25% of my NFCU.  Is it Prime?  I like it.  So yes.  In my eyes.

Good luck!

[Anonymous]

@ jausanka awww I C good explaining it... but i like the "beer " part.. need one asap!!!

[Anonymous]

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@Anonymous wrote:

what is the different between suprime and prime cc..

subprime come with AF?

Prime is no AF?...

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A lot of "prime" cards carry an AF. Typically they will offer some extra rewards or benefits that justify the cost, e.g. complimentary lounge access at airports, free checked bags, 1:1 transfers to FF programs, a high cash back rate, etc.

As a rule of thumb, I think of "prime" cards as having high credit lines (one may start out with a lower amount but it can increase over time), low to reasonable interest rates, and a combination of good rewards/benefits/customer service.

[Anonymous]

@ dyv8914 how about Cap1 and HSBC what category they fall on?

[Anonymous]

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@Anonymous wrote:

@ dyv8914 how about Cap1 and HSBC what category they fall on?

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Cap1 has both prime and sub prime.   

So does HSBC.

The actual difference is you can qualify for a subprime card with poor credit.     Prime cards require good credit.