Originally Posted by
Dr Jabadski
Thank you. As a fervent advocate that it’s never worth opening a new CC account without a SUB, I wasn’t cognizant of the difference.
To me: no SUB, no approval (because no application).
In general I tend to agree with you. No SUB, no life! However, there are reasons why one would open a credit card even without a SUB. Think, for example, of a family who is about to plan a vacation at Conrad Maldives. You can see how even without a SUB, the benefits of the Aspire card can be worth the hefty annual fee even without a SUB.