Help me choose a Mastercard

[DVH1980]

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.

[DVH1980]

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%

[melbaro]

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.

[DVH1980]

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.

[DVH1980]

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

[LS2982]

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.

[webhopper]

I was offered a 5k initial limit

[DVH1980]

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

[LS2982]

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.

[DVH1980]

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