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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=810 08/29/18
EX fico08=796 09/05/18
EQ fico08=811 09/05/18
EX fico09=797 08/01/18
EQ fico bankcard08=827 08/28/18
Garden since 07/02/18
Message 121 of 134
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 134
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 134
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: $200K 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 134
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 134
New Contributor

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 134
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!

Capital One Quicksilver ($5K) - Capital One Savor ($10K) - Barclay Rewards MasterCard ($4.9K) - Barclay Uber Visa ($5.5K) - Discover IT ($3K) - US Bank Cash+ ($2K) - Chase Freedom ($4.5K) - Chase AARP ($5K) - Chase Amazon Rewards ($500) - TCF Platinum Credit Card ($400)
EX FICO - 772 (5 INQ), EQ -751 (4 INQ) TU FICO -763 (6 INQ) 3% util
Message 127 of 134
Valued Contributor

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

Worst card - 

 

The one that sells my purchase history or personal information data to the most "affiliates" Smiley Mad

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 804 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 886 TU 899 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 128 of 134
Established Contributor

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


@woodogmom wrote:

First card:  Gordon's Jewelry back in 1988 and I was NOT 18 yet, about 3 months shy of it, so I don't know how they even approved that. But it was my first and I loved being all adult with credit, knew NOTHING about managing credit at all and royally screwed things up about 2 years and 8-10 cards later.  But my first purchase on that Gordon's card I was so proud of getting was a pair of 1/8th ct diamond stud earrings. They cost $99.00 and I still have them, 30 years later.

 

Best card: Discover It that I just got a few months ago, after 8 years of nothing reporting but student loans and an autoloan, due to credit screw up #3 (hopefully the 3rd time is the charm, I'm getting too old for this rebuilding thing every decade or so--doing well so far, AZEO, utilization below 9% and PIF as soon as the statement cuts each month).

 

Worst card: I'm not sure, but I think it was a Credit One that had an annual fee charged in monthly installments, a fee for this, a fee for that, if you opened the envelope from the front instead of the back, I think there was a fee for that too.  

 

Wish card: I would like a simple Chase Freedom Visa. Just because I now have a Capital One Quicksilver, Discover It, Amex BCE, but no Visa (other than my work BOA Visa which really isn't MINE) ...once I get that one (they just denied me a couple of days ago) I'm done. I'm a small time player with a small time salary and a simple life. 4 cards are enough for me, then it is retirment to the garden forever! Smiley Happy 


This gave me my laugh for the day!  Had coworkers thinking that I lost my mind!!  Smiley Very Happy

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego


Message 129 of 134
Regular Contributor

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

First

U.S. Bank College Visa

 

Best

Chase Sapphire Reserve - This card has obsoleted many of my other cards because of the Ultimate Rewards "50% more value" benefit.

 

Worst

Providian Platinum Visa - High interest rate and the CL never increased past $500.

 

Wish

I don't have any cards on my wishlist. I've thought about the American Express Platinum card, but I don't travel enough to make it worthwhile. The CSR is all I need for now.

Stop trying to save a nickel; start trying to earn a dollar.
Message 130 of 134