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Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011
0

Help me choose a Mastercard

Been killing builders and adding prime cards the last couple months and still need a good MC. After I get my MC and Amex I should be set for my credit card needs.

 

My current lineup:

USAA Rewards Visa, 3k limit, used as my everyday spending card

Local CU Visa, 3500 limit, used to pay my 2 car loans that are also through the CU

Discover More, 3k limit, use this for the 5% categories and also for bigger purchases since it has no interest for 18 months

Barclays Apple, 3500 limit, only used to pay my netflix to show activity

Cap 1 Mastercard, 750 limit, will be dropping this one today!

USAA Secured Amex, 500 limit, got this to get my foot in the door with USAA, I also use is for buying electronics/appliances to take advantage of buyer protection/extended warranty. Hopefull getting a true Amex next month and this will be closed after the 2 years is up.

 

So after closing my Cap 1 that will leave a hole in the MC department. The wife and I are starting to travel a little more so maybe a MC geared towards that? What are some of the better MC's you are carrying? I tried for the Barclays Rewards MC but becasue im a resident of IA, they wont issue me one.

My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k
Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011
0

Re: Help me choose a Mastercard

Here a quick breakdown of my crdit profile:

 

TU FICO-697

EX FAKO-679

EQ Fako-679

 

2 derogs, 5+ years old

AAOA-1.2 years

INQ in the last year,  4-ex, 4-tu, 5-eq

UTL- 13%

My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k
New Contributor
melbaro
Posts: 89
Registered: ‎08-03-2012
0

Re: Help me choose a Mastercard

You could probably go for a Chase Freedom MasterCard. You may get a 7-10 day message, but you would probably have success in recon. Make sure you go through the MasterCard website to apply though.

Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011
0

Re: Help me choose a Mastercard

Ive considered this option, it seems as though Chase offers relatively low initial credit limits. I actually have a charged off Chase account from 12 years ago so Im not sure if they would issue me a card anyways.

My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k
Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011
0

Re: Help me choose a Mastercard

I was thinking about Citi for a MC, not sure if my current scores/profile will get me in the door though.

My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Help me choose a Mastercard

You might be blacklisted by Chase but 12 yrs is a long time, you may be able to get back in. Your other CL's would help you get a decent limit from them.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Help me choose a Mastercard

I was offered a 5k initial limit

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011
0

Re: Help me choose a Mastercard

@LS2982, Thats what I was thinking. I wasnt sure if they black listed or not.

My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Help me choose a Mastercard

Only way to know is to try! I'm in the same boat with Citi, 10 yr old CO I'm hoping they have forgiven. :smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011
0

Re: Help me choose a Mastercard

Intersting, I was digging through my credit rebuild book and was looking through my previous denial letters and found one from Chase. I guess I apped with them back in May on a mini app spree, only denial reason listed:

 

"Your credit report reflects delinquent past/present credit obligations"

Hmmmm

My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k

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