What CC is consider Primer Card

[Anonymous]

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@inthewoods wrote:

IMHO it is simply a card that is targeted at (and attractive to) low-risk credit consumers. Contrasted with sub-prime, of 2007/2008 fame. So, generally, say any card that requries perhaps 720–740 or higher.

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I agree to some extent, but a number of cards have broad rangers.  So by that defintion, Chase Freedom wouldn't be prime, nor most Amex cards (and probably many others)

[Anonymous]

There are more than one factor when deciding if a card is prime or sub-prime. Some of which is in the eye of the beholder. As previously mentioned, a lot of people consider Capital One sub-prime, when in reality, they are both. Some cards are sub-prime while some could be considered as prime. This also goes for most credit card lenders. That being said, there are some lenders that are completely sub-prime (First Premier, Credit One, etc...).

[xautodetail]

Ok when i ask for Premier Card i am ask card we the best reputation big bank .

[Anonymous]

Cap One is one of the biggest banks so don't cut them short.  They wouldn't be giving out the high CL's if they weren't.    I think you'l find everyone has their preference.  All of the biggies were mentioned except Barclays.  I want their Ring in the future.  

[Anonymous]

There isn't really a card with the 'best reputation' - there are people who have had fantastic experiences with most of them, and there have been people with not so good experiences with most of them. If you are looking for a new card, if you mention a generalisation of your regular spending habits I'm sure someone could point you in the direction of what is considered a prime card with rewards to match what you're looking for.

The word "prime" is overused and the definition is far too vague to really say specifically what is prime and what isn't.

[Anonymous]

"Prime" is so subjective. Most of us here on the board will say it depends on the card itself not just the lender. For example a Venture from Cap One (min $5k CL, usually good APR, god benefits, need good credit to be approved), while a QS1 or Platinum on the other hand would not be considered prime (low limits, high APR, don't need good credit for approval). The only reason I bring up Cap One is because they target a wider audience than most lenders. They have cards for people with bad/rebuilding credit, secured cards, and even what we here call "Prime" cards for excellent credit. 

[Anonymous]

are you ging to paint lol 

[kdm31091]

To me the "prime" thing is totally subjective and not very meaningful. However, I'd stay away from anything "subprime", to me that means things with huge AF yet no benefit, 30 percent APR etc

[NRB525]

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@xautodetail wrote:

Ok when i ask for Premier Card i am ask card we the best reputation big bank .

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There are several banks with good reputations in the credit card world, Chase, Capital One, AMEX, Bank of America, and Citi Bank, Discover, US Bank, and several others.

Each of the banks have certain co-branded cards, which can be useful if you travel a lot. Otherwise, there are other ways to look at rewards structures based on your spending patterns. The credit cards industry is so competitive these days, that all of the larger banks who issue credit cards are very responsive, give good service to good customers. That's not the same thing as saying everyone here is happy with all the credit card companies, but in general, they do try to keep their customers by providing good service.

Credit Unions have many good offerings as well.

One thing to keep in mind, once you are issued a VISA or MasterCard or American Express or even Discover card, that is the main feature of the card that gets it recognized. The bank behind the card is rather secondary to the point of sale where you are doing the transaction. The merchant doesn't care which bank the card came from, as long as it gives them an approval so they know they will be paid by the payment network.

[xautodetail]

Ok this is what i sink 

Amex you have to have more the 670 CS in order can have one maybe more CS 

City : Same you have to have good credit Score 

Chase: Same same .

i Not said the Capital ONe , BoA ,Discover is not primer card or good bank, by you can have this card we 620 CS some time we less.