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Help me find a Mastercard

Regular Contributor

Re: Help me find a Mastercard

You're exactly right. To me, customer service is definitely worth it. I might give up $100 a year in rewards by using an Amex as my primary over rotating cards and maximizing cash back, but to me it's worth very penny. Customer service is the most important thing to me right now, as I stay really busy and saved time is valuable. And not having a hassle to take advantage of extended warranties, returns, etc. is a wonderful thing. I was recently diagnosed with premature ventricular contractions due to high stress. Having a card that backs me is one way to reduce that stress and help my heart.
Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 11 of 16
Regular Contributor

Re: Help me find a Mastercard

If I close my Citi card will it continue to age until it drops off of my credit report?  I'm hoping to get a home in the next 2 or 3 years, so I just want to make sure my credit score won't be negatively affected by this move when the time comes.

Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 12 of 16
Established Contributor

Re: Help me find a Mastercard

Yes, it will continue to age and affect average age of accounts until it falls off in about 10 years.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Message 13 of 16
Established Contributor

Re: Help me find a Mastercard

your income is there just need to get uti down.  they denied me the sapphire because of uti.  Seems rep was willing to give me card but told me to app again in 6 months.  Give it a shot and recon if denied, GL.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 14 of 16
Moderator Emeritus

Re: Help me find a Mastercard

Fyi, chase gave me a 5k limit on amazon card, at the time of approval my highest limit was discover at 4200.

Previously I had had several ge cards that were in the 3500 to 4000 range

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
Message 15 of 16
Highlighted
Established Contributor

Re: Help me find a Mastercard

FWIW, with a lower EQ, lower income (in the 30s) and 7 inqs between feb-april of this year, i was approved for the sapphire(and freedom, same day apps). Also all my cards were 1K-3K and a total credit history of 1 year. utilization 61/8600(shows as 1%).

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 16 of 16