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Help me choose a Mastercard

Contributor

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.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 1 of 31
30 REPLIES
Contributor

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%

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 2 of 31
New Contributor

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.

Message 3 of 31
Contributor

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.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 4 of 31
Contributor

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.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 5 of 31
Mega Contributor

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.



EQ FICO 548 3/3/16
Message 6 of 31
Moderator Emeritus

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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Message 7 of 31
Contributor

Re: Help me choose a Mastercard

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

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 8 of 31
Mega Contributor

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. Smiley Happy



EQ FICO 548 3/3/16
Message 9 of 31
Contributor

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

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 10 of 31