National City Credit Card Review
Author: NightStar
Posted: Mon Nov 10, 2003 6:24 pm
Post subject: National City Credit Card Review
Just recently was approved for a Diamond Visa Platinum Card.
9.5% Fixed rate for all purchases, balance transfers & cash advances.
No balance transfer, convenience check or cash advance fees.
I am missing something because the site says this instead of what I received. So I will most likely have to call in and see if I can't nab the 5.9% balance transfer deal.
Quote:
9.9% fixed APR* on purchases and 5.9% APR* fixed for life on balances transferred today
Oh, and they pull TransUnion, at least in the midwest area here.
704 credit score, for a $2,000 credit limit.
A lot better then I have had before, so I will be happy with this one I think.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Verne
Posted: Mon Nov 10, 2003 7:12 pm
Post subject: National City Credit Card Review
NightStar,
I had a National City card several years ago but closed the account after six months when the intro rate went to 19% plus. I should have called and tried to work something out or just kept the card for the available credit. But this was before I knew much about the importance of available credit and the impact of closing accounts on the credit score.
One thing still strikes me as odd. My National City account has never been on any of my credit reports. For some reason my short-lived Fleet account didn't show up on any of the reports either.
Author: nativechild48
Posted: Mon Nov 10, 2003 7:23 pm
Post subject: National City Credit Card Review
Sometimes there is a limitation as to what the customer service dept. is authorized to do so it is better to see if they have a retention dept. and see if they can give a more attractive offer.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: NightStar
Posted: Mon Nov 10, 2003 7:53 pm
Post subject: National City Credit Card Review
I learned a lesson the hard way today, I put in my mailing address instead of my physical address.
Well since the bank did not have my new physical address they tried mailing to my old address. So I called today to report lost card, then it show up at my po box, too late though.
Just hate to see them even report one of my accounts lost / stolen and closed.
Quote:
I had a National City card several years ago but closed the account after six months when the intro rate went to 19% plus. I should have called and tried to work something out or just kept the card for the available credit. But this was before I knew much about the importance of available credit and the impact of closing accounts on the credit score.
I know here looking at credit reports that I do see National City reporting their accounts.
You might try, like I have seen others accomplish - calling them back and asking if you can re-open this account. I don't know National City policy but I have seen people get fortunate for the effort on other accounts.
I know here looking at credit reports - that I do see National City reporting, so depending on how long back, it might be a change in recent years. I just can't remember if they reported to all 3 CRAs though.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Mon Nov 10, 2003 6:24 pm
Post subject: National City Credit Card Review
Just recently was approved for a Diamond Visa Platinum Card.
9.5% Fixed rate for all purchases, balance transfers & cash advances.
No balance transfer, convenience check or cash advance fees.
I am missing something because the site says this instead of what I received. So I will most likely have to call in and see if I can't nab the 5.9% balance transfer deal.
Quote:
9.9% fixed APR* on purchases and 5.9% APR* fixed for life on balances transferred today
Oh, and they pull TransUnion, at least in the midwest area here.
704 credit score, for a $2,000 credit limit.
A lot better then I have had before, so I will be happy with this one I think.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Verne
Posted: Mon Nov 10, 2003 7:12 pm
Post subject: National City Credit Card Review
NightStar,
I had a National City card several years ago but closed the account after six months when the intro rate went to 19% plus. I should have called and tried to work something out or just kept the card for the available credit. But this was before I knew much about the importance of available credit and the impact of closing accounts on the credit score.
One thing still strikes me as odd. My National City account has never been on any of my credit reports. For some reason my short-lived Fleet account didn't show up on any of the reports either.
Author: nativechild48
Posted: Mon Nov 10, 2003 7:23 pm
Post subject: National City Credit Card Review
Sometimes there is a limitation as to what the customer service dept. is authorized to do so it is better to see if they have a retention dept. and see if they can give a more attractive offer.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: NightStar
Posted: Mon Nov 10, 2003 7:53 pm
Post subject: National City Credit Card Review
I learned a lesson the hard way today, I put in my mailing address instead of my physical address.
Well since the bank did not have my new physical address they tried mailing to my old address. So I called today to report lost card, then it show up at my po box, too late though.
Just hate to see them even report one of my accounts lost / stolen and closed.
Quote:
I had a National City card several years ago but closed the account after six months when the intro rate went to 19% plus. I should have called and tried to work something out or just kept the card for the available credit. But this was before I knew much about the importance of available credit and the impact of closing accounts on the credit score.
I know here looking at credit reports that I do see National City reporting their accounts.
You might try, like I have seen others accomplish - calling them back and asking if you can re-open this account. I don't know National City policy but I have seen people get fortunate for the effort on other accounts.
I know here looking at credit reports - that I do see National City reporting, so depending on how long back, it might be a change in recent years. I just can't remember if they reported to all 3 CRAs though.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 1:59 PM
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