Oh gosh, where do I start? 
Annual fee cards, for now, no thanks. I really don't see the need for those.
Barclays. Will never get a card through them. They do too many weird things.
Cap one. They were useful in the beginning, but as my scores got better they started to hate me. we dont know why, they never got burned by me. But hey, their loss. 
High interest rate cards. No use for them.
Points cards. No use for them. Cash back cards are ok though 
@Anonymous wrote:
@Shooting-For-800 wrote:
@SOGGIE wrote:
To each his/her own, but I refuse to app for any card with an annual fee. I'm a wise consumer. I don't need travel rewards as I pay a low annual fee for Spirit Airline Membership. This allows me average airfare cost of $28 to $50 for each one-way flight as well as very affordable lodging. I travel quite frequently and my scores are between 825 and 840. I also save tons of money by shopping at cost-saving stores (online and in-store). I always search online for discount coupon codes when shopping and take advantage of earning cash while shopping online. Paying an annual fee for a credit card that offers rewards for designated purchases at designated merchant types during designated time periods will not work for me.I pay $59 to earn $1500-$2000 cash back per year. EMMV but to me that too is being a wise consumer.
Continuing my Venture bashing spree, why is that wiser than spending $0 to get the same cashback with a 2% card? Lots of FTF ($11000 a year to make the difference between using that and the QS?)
To each their own I guess.
Cap One has treated me very well and I am loyal to them because of it.
How many cards out there give 2% cash back and $400 signing bonus and World MasterCard or Visa Signature benefits with No FTF on all purchases with no minimum or maximum rewards rules?
I spend a lot more than $11k per year to make up the difference between 1.5% and 2.0% cash back.
I am not saying Venture is the best card no matter what.
I am saying I dont mind paying $59 per year for $30k card with those types of benefits and rewards.
I have friends that spend $1000 per year on Amex but Amex gives them free flights, zillions of miles, club access, etc.
They probably get $25,000 worth of benefits each year.
Are they stupid too?
Again, to each their own.
@Anonymous wrote:I think once people get their scores up on here and stay a while there are five types of people on here There are also an unusually large number of us that are outliers and fit into every one of those 5. I will not be categorized! LOL
1). Bonus chasers: people who don't carry balances and go from card to card and stop using the card soon as they get the bonus. People who like to go on big vacations I like free stuff. I like free stuff even better when I can just consolidate the line into something that I already have and keep it useful.
2). Coupon cutters: they don't carry balances either. They carry 10 cards at all time trying to get the biggest cash back they can for each purchase. Not 10 but depending on the month or quarter probably 5 or 6, but most of my spend goes on one card. I only carry Target for store cards since I mostly shop online, so maybe that does get me to about 10 if I count Lowe's, Kohl's and Amazon. They complain about sign up bonuses because they spend such a little bit of money that they can never reach the spend. Not a problem on my end, fortunately or unfortunately - that's why Amex gives me lackluster bonus offers like spend $15,000 by the end of next month and get bonus MRs. They get a new card if they can save 2 dollars a year in a category.
3) 0 interest balance transfers. They carry balances so they always looking for no interest. Also acceptable would be zero balance transfer fees and very low APR.
4) People who get all the cars from one company to maximize their rewards. Either Chase or Amex. Why not both? They will have Chase Freedom. Chase freedom Unlimited , CSP and CSR . No, the CSR is redundant (for me since I don't use the travel portal) with the CSP and Amex Platinum.
5). High Credit Line People: they don't care much about benefits or interest rates other than to brag about them. Their goal is only to get more cards to increase their limits. They don't need the increased limit they just want to have it to have it. I fit the category but not the descriptions. I need the utilization padding while paying off mountains of debt, and it's part of my consolidation plan to end up with just a handful of obscenely high credit limit cards in a couple of years.
