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

Re: Help me choose a Mastercard

Citi was at the top of my list, I was denied back in May so Im a little hesitant about trying again. I did apply for the Diamond preferred which may have been out of my reach. Not sure how I would fare this time around, even if applying for one of the easier cards....if they even have "easy" cards.

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
Frequent Contributor
wreith
Posts: 452
Registered: ‎06-13-2012

Re: Help me choose a Mastercard

I apped for the world mc and was approved for plain, I think if you don't qualify they'll give you the other.
03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $10.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011

Re: Help me choose a Mastercard

Im leaning more and more towards going with USAA. I wonder how long I should wait before asking for another card? I know some people who did it 2 months after but my credit profile is pretty marginal.

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
Frequent Contributor
wreith
Posts: 452
Registered: ‎06-13-2012

Re: Help me choose a Mastercard

I got mine about a month apart.
03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $10.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Help me choose a Mastercard

I think you stand a better chance with usaa than with any other card issued. They have good customer service and will grow with you which are very important traits. Just continue to build that relationship with multiple products!

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!



Take the myFICO Fitness Challenge
Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011

Re: Help me choose a Mastercard

I may just pull the trigger tonight. I see your scores, any other derogs on your reports?

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

Re: Help me choose a Mastercard

Yeah, i think if I can confirm that my rewards will work together thats what im going to do. Might as well, I use almost evey product they offer as it is.

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
Frequent Contributor
wreith
Posts: 452
Registered: ‎06-13-2012

Re: Help me choose a Mastercard

I have a couple of satisfied judgements and one not paid.
03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $10.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Help me choose a Mastercard


DVH1980 wrote:

I may just pull the trigger tonight. I see your scores, any other derogs on your reports?


Good luck!

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!



Take the myFICO Fitness Challenge
Contributor
DVH1980
Posts: 245
Registered: ‎08-24-2011

Re: Help me choose a Mastercard

Thanks, think im going to do it. I have 3 INQ that will be a year old on the 8th of this month, thinking I should wait until at least then to maximize my chances. Fighting the temptation to do it now is rough!

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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