What is your most annoying card...

Anonymous · ‎03-11-2016

I mean, the one that has the stupid low limit, but you use all of the time, and don't want to close because you like it....and you can't get a good CLI on?

NRB525 · ‎03-11-2016

Well, I guess my Freedom card qualifies there. While I'm getting 10 points per swipe, and category points to boot, I'm using it like crazy. But I know (or at least the rumors tell me) that the points parade is going to end some day. So the "not knowing" when or if it will end is both a little annoying, and at the same time I can live comfortably in denial, thinking it will go on forever.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎03-11-2016

@NRB525 wrote:
Well, I guess my Freedom card qualifies there. While I'm getting 10 points per swipe, and category points to boot, I'm using it like crazy. But I know (or at least the rumors tell me) that the points parade is going to end some day. So the "not knowing" when or if it will end is both a little annoying, and at the same time I can live comfortably in denial, thinking it will go on forever.

Are you sure it's not already gone? I thought it was nerfed along with the 10% bonus.

My one store card is a Brooks Brothers card with a low (and slightly odd) $1,560 CL. It still gives me a few gift cards and coupons, though, and I use it 3-4 times a year.

Edit: I guess I could get a CLI on it if I asked, but it's not worth a HP to me, and I wouldn't trust a Citi CSR that assured me it would be a SP.

Anonymous · ‎03-11-2016

My CSP is so annoying stupid 5k limit stupid hard pull for CLI and they never increase it anyway !! Errr
.. but shamefully I really like the card ... come on Chase work with me here!!!

NRB525 · ‎03-11-2016

@Anonymous wrote:
@NRB525 wrote:
Well, I guess my Freedom card qualifies there. While I'm getting 10 points per swipe, and category points to boot, I'm using it like crazy. But I know (or at least the rumors tell me) that the points parade is going to end some day. So the "not knowing" when or if it will end is both a little annoying, and at the same time I can live comfortably in denial, thinking it will go on forever.
Are you sure it's not already gone? I thought it was nerfed along with the 10% bonus.

My one store card is a Brooks Brothers card with a low (and slightly odd) $1,560 CL. It still gives me a few gift cards and coupons, though, and I use it 3-4 times a year.

Nope, I check it every day. Every day. Still there today.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎03-11-2016

my freedom. lowest limit of all my cards, but i like it.

Anonymous · ‎03-11-2016

Good to see...thought that was all done away with! Enjoy it while it lasts!

galahad15 · ‎03-11-2016

My Barclay Ring card -- love the thing, but for the life of me, I can't seem to get a decent CL on it. To be fair though, the current limit of $1.9k is certainly better than the $500 SL it came with...

ETA: Also, my Cap1 NHM Ultra card (works like a Venture); have been trying to get Cap1 to give a CLI since just about forever, but they turn me down every time

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 9.24% V, $15k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% category rewards (Preferred Rewards status), $50k

EPFCU Smart Rewards MC @ 10% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 10.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.24% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 13.49% V with 1.88% rewards (Preferred Rewards status), $17.6k

Cap1 Venture MC @ 14.15% V with no AF, 2% rewards, $16k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

BoA Customized Cash Rewards MC @ 16.24% V with 3.75% category rewards (Preferred Rewards status), $14.3k

Redstone FCU VS @ 16.25% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 17.24% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 17.49% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

AOD FCU VS @ 17.99% V with 3% rewards, $7.5k

BoA Customized Cash Rewards MC @ 18.24% V with 3.75% category rewards (Preferred Rewards status), $20.4k

Amazon Prime VS @ 18.49% V with 5% category rewards, $35k

US Bank Cash+(x2) @ 18.74% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 19% V with 3% category rewards, $12.5k

PayPal CashBack MC @ 19.24% V with 3% on all PayPal purchases/1.5% on all other purchases, $25k

FNBO BucksBack VS @ 20.24% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $39.32k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

WF Bilt WEMC @ 22.99% V with 3% dining rewards, $30k

Amex BCE @ 25.24% V with 3% category rewards, $25k

WF Attune WEMC @ 29.24% V with 4% category rewards, $2.5k

PayPal Credit MC @ 30.39% V with 0% for 6 mos. on all PayPal purchases $149+, $10k

ddemari · ‎03-11-2016

Target redcard that I've had for 3 years with a $300 limit.
I use it several times a month, always on time and have tried letting a balance report, paying them a tiny bit of interest, and then usually just paying it off right after I use it because of the limit lol. Im jealous of people that got in with Target after 2013, those people are seeing a different target than me lol.

CleanCredit · ‎03-11-2016

Wait, not to thread jack but how do you get the 10 pt bonus swipe on Freedom? I have a freedom and have never noticed that.