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First Card, Best Card, Worst Card, Wish Card

Valued Contributor

Re: First Card, Best Card, Worst Card, Wish Card

First card, and best card can be read about here.....https://ficoforums.myfico.com/t5/SmorgasBoard/Very-funny-true-story-saved-by-credit-card/m-p/4748885...




TU fico08=816 06/27/18
EX fico08=796 07/15/18
EQ fico08=822 06/27/18
EX fico09=810 07/04/18
EQ fico bankcard08=845 06/27/18
Garden since 07/02/18
Message 121 of 127
Contributor

Re: First Card, Best Card, Worst Card, Wish Card

I'll join in on the fun: 

 

First card: U.S. Bank Cash+ Visa Siggy. Got lucky with this one due to a long standing relationship with USB, plus 2 years of on time student loan payments at time of application. Started at 5k and have received 1 auto CL to 7.5k. 

 

Worst card: Barclays Apple Rewards. Applied for the financing option, but then ended up not going through with the purchase. Aside from a few ITunes movie rentals a month, no use for it at all.

 

Best card: Would have to say it's the USB Cash+, but for the sake of listing a different card for each category, I'll also mention that I've enjoyed the PayPal 2% MC. I use PayPal and ebay a fair amount, so it comes in handy.

Message 122 of 127
New Visitor

Re: First Card, Best Card, Worst Card, Wish Card

First card- Discover secured card
Best card- Chase Sapphire Reserve
Worst card- Capital One Quicksilver One...cancled it after a year they would not raise my limit over 1,500 and had an annual fee of $39
Message 123 of 127
Established Contributor

Re: First Card, Best Card, Worst Card, Wish Card

First: Amex
Best: Amex
Worst: Chase as it lacks growth
Wish: None


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $300K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 124 of 127
New Member

Re: First Card, Best Card, Worst Card, Wish Card

According to Bank Of America my credit score hit 850. I been jumping around 817 to 834.
Best - Chase Sapphire Resever
Worst - American Express- to restrictive I only owned the platinum.
Wish - none
I like to lower the amount of open credit cards I currently have which is 9 to 6.
Message 125 of 127
Valued Member

Re: First Card, Best Card, Worst Card, Wish Card

Alright so here I go,
First Card: Bank of America Signature Card
It was okay. It did help me start on my credit file. Thank you BofA.

Best Card: Chase freedom
So far that is the only card I have in good standing. All others are in collections. Lol not funny but it’s truth.

Worst Card: Sony card
Only reason I had it coz it looked attractive. Lol I closed in few months. It was with very low limit $500 and you can only redeem towards some Sony product purchase.

Wish card: AMEX Cash
I wish I cloud had it coz it’s looks so neat and has best of all cash back offers. 👍
Date 07/01/2018




Message 126 of 127
New Member

Re: First Card, Best Card, Worst Card, Wish Card

Ha! I'll give it a go, this should be good:

 

1. My very first card was a wimpy OpenSky secured card from Capital Bank with a $200 limit. Opened it back in 2015. I was really eager to get into the cashback card world, but had zero credit, so this card was a really good starter. Had it for about 9 months before they refunded my deposit and upped the limit to $300 (WOW!! lol). Cancelled before the $40 annual fee hit, although the company was very good to me.

 

2. My best current card (IMO) is the Uber Visa from Barclay. This card has a pretty solid benefit list and suits my spending habits pretty well. The 4% cashback on restaurants and UberEats (I use UE ALOT) adds up fast, and the 3% travel + 2% online shopping isn't bad at all. The $50 digital subscription credit for $5000 annual spending is also low-hanging fruit. Only complaint is the lack of intro APR, but I pay in full anyway.

 

3. My worst card is from the bank I've been loyal to since my high school days: TCF. Oh boy, don't get me started. TCF has been very good to me, but this card (initially a secured card for $300, and actually my second card, also in 2015) is so bad. It graduated to an unsecured line with the SAME limit shortly after. No rewards, no benefits, just a plain jane high APR card. Fast forward been almost three years, all my cards have $3k-$6k limits (except for the US Bank Cash+ I just applied for *rolls eyes*), and this one is STILL holding out. It's issued by FirstBankcard, so I'll cut TCF some slack. 

 

4. My wish card, HMMMMM, that's a tough one. I'd have to say Freedom Unlimited. Just to combine with my regular Freedom's Ultimate Rewards!

Barclaycard Rewards MasterCard ($4950) - Barclay Uber Visa ($5500) - Discover IT ($3000) - US Bank Cash+ ($2000) - Chase Freedom ($4500) - Chase AARP ($5000) - TCF Platinum Credit Card ($400)
EQ-755 (3 inq) TU-746 (5 inq) 3% util
Message 127 of 127