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Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012

Help me find a Mastercard

I currently have a Citi Dividend World Mastercard filling my MC slot, but after calling Citi and getting someone in another country on a very fuzzy line, I'm thinking about switching to someone who would give me a little better customer service and closing the Citi account.  Any recommendations?  The card is essentially a backup to my Amex and won't get much use other than places that don't accept Amex. 

 

FICO scores are in my sig, but should be going up drastically soon as I drop my utilization from 35% down to the 1-9% range.  No baddies or anything and an AAoA of 2+ years.  Have 2 hard pulls on TU, 0 on Experian, and 6 on Equifax (4 in the last year).  The Chase Sapphire caught my eye, but I need something that will report my CL for utilization purposes since my only other credit card will be my Forward (keeping for 5x back at restaurants and Amazon despite CS).

 

Thanks everyone!




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Help me find a Mastercard

Have you looked at the Chase Freedom Mastercard? To get the Mastercard version, go through the mastercard site and find the freedom.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Contributor
ajh5408
Posts: 98
Registered: ‎04-13-2012

Re: Help me find a Mastercard

[ Edited ]

In addition to the Freedom, Chase also offers the Sapphire in a Mastercard flavor. A brief search didn't turn up any applications, but you could always call and inquire about it... Mastercard's website does list an application for the Preferred version of the card, though it has an annual fee. Both, however, provide excellent customer service.

 

Also, Sapphire does report your CL and appropriate utilization to the bureaus.

.ılılıll | CK/TU FAKO [770] // CS/EX FAKO [789] // QZ/EX FAKO [724] // EX FICO [763] | llılılı.
Chase Hyatt [$9K] // AMEX SimplyCash [$8K] // Chase Freedom [$7K] // PenFed Platinum Rewards [$6.5K] // AMEX Clear [$6K] //
Citi Forward [$6K] // BoA Privileges Cash [$5K] // Discover it [$3.5K] // Citi ThankYou Preferred [$2.2K] //
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Help me find a Mastercard


jd5189 wrote:

Have you looked at the Chase Freedom Mastercard? To get the Mastercard version, go through the mastercard site and find the freedom.


I agree, I have the MC version myself.

 




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
Valued Contributor
kevinjjc
Posts: 1,302
Registered: ‎01-14-2009

Re: Help me find a Mastercard

Barclaycard Ring MasterCard
Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012

Re: Help me find a Mastercard

Thanks everyone.  I have looked at the Freedom, but like the benefits of the Sapphire over the rewards structure of the Freedom.  So if the Mastercard, non-preferred version reports a credit limit, I think that's the one I'll be going after.

 

So for the regular Sapphire, are my current scores high enough to go ahead and apply, or do I need to wait a month or two to get my utilization down?  And how hard will I be knocked for opening a new account and closing my current one (open since 11/11).  Right now my Amex will not show up as my first statement hasn't cut, and I have 2 Citi cards, with $4k and $4.2k limits. If income plays a factor for this card, I make $55/year.




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Help me find a Mastercard


ramblin_wreck08 wrote:

Thanks everyone.  I have looked at the Freedom, but like the benefits of the Sapphire over the rewards structure of the Freedom.  So if the Mastercard, non-preferred version reports a credit limit, I think that's the one I'll be going after.

 

So for the regular Sapphire, are my current scores high enough to go ahead and apply, or do I need to wait a month or two to get my utilization down?  And how hard will I be knocked for opening a new account and closing my current one (open since 11/11).  Right now my Amex will not show up as my first statement hasn't cut, and I have 2 Citi cards, with $4k and $4.2k limits. If income plays a factor for this card, I make $55/year.


I didn't recommend the Sapphire bc you mentioned you use your Forward card at 5% CB at restaurants, then the Sapphire will only give you 1pt per dollar on all other stuff. But, the Sapphire has a better CS experience than the Freedom from a few posts I have read in the past. The good thing about Sapphire is the minimum CL they will give out is at least 5k so it should sit above all your other cards CL-wise. Like I said, just make sure you apply though the mastercard site, otherwise it will probably default to visa and you will have to change it to mastercard later.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Help me find a Mastercard

My mom has the freedom mastercard

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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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Help me find a Mastercard

As for your scores and comparing them to whogavemecredit, it seems you are in the approval area. The only thing, is that Chase seems to like to "match" CL's. Since none of your current CL's are above 5k (yes they are close) that is the only thing I could see maybe being an issue. You might want to get your utilization down a bit.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012

Re: Help me find a Mastercard


ramblin_wreck08 wrote:

Thanks everyone.  I have looked at the Freedom, but like the benefits of the Sapphire over the rewards structure of the Freedom.  So if the Mastercard, non-preferred version reports a credit limit, I think that's the one I'll be going after.

 

So for the regular Sapphire, are my current scores high enough to go ahead and apply, or do I need to wait a month or two to get my utilization down?  And how hard will I be knocked for opening a new account and closing my current one (open since 11/11).  Right now my Amex will not show up as my first statement hasn't cut, and I have 2 Citi cards, with $4k and $4.2k limits. If income plays a factor for this card, I make $55/year.


I can understand that, while rewards are important, so is customer service.  It wouldn't hurt to wait until your utilization comes down, but depending on your overall credit report it might not matter that much.  Chase does like to see experience with higher limits, but it's not a deal breaker in-and-of-itself and $4K and $4.2K are pretty close to $5K.  Your income is also certainly sufficient.  I think you stand a good chance of approval.  Do make sure that if you want the MasterCard version that you apply through the MasterCard website, as they seem to default to Visa.

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

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