topic Re: Why does visa hate me??? in Credit Cards

Why does visa hate me???

Anonymous — Fri, 03 Jan 2014 00:12:34 GMT

You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?

Re: Why does visa hate me???

Anonymous — Fri, 03 Jan 2014 00:15:48 GMT

@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?

I just asked them and apparently it is your user name, 2 m's and no v. Can you blame them?

Re: Why does visa hate me???

lg8302ch — Fri, 03 Jan 2014 00:21:28 GMT

@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?

ha ha...so you uploaded the wrong Citi AA card? Looks like a VI to me...LOL

Re: Why does visa hate me???

FinStar — Fri, 03 Jan 2014 00:23:17 GMT

@lg8302ch wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
ha ha...so you uploaded the wrong Citi AA card? Looks like a VI to me...LOL

So true eh?

Re: Why does visa hate me???

FinStar — Fri, 03 Jan 2014 00:23:59 GMT

@Anonymous wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
I just asked them and apparently it is your user name, 2 m's and no v. Can you blame them?

LMAO.... So that's the secret then!

Re: Why does visa hate me???

Anonymous — Fri, 03 Jan 2014 00:25:23 GMT

@Anonymous wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
I just asked them and apparently it is your user name, 2 m's and no v. Can you blame them?

noooo!!!! At least I have A and X in there, hopefully that's enough for American eXpress, lol.

Re: Why does visa hate me???

Anonymous — Fri, 03 Jan 2014 00:26:10 GMT

@lg8302ch wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
ha ha...so you uploaded the wrong Citi AA card? Looks like a VI to me...LOL

Most definitely did upload the incorrect one, lol. I uploaded that before actually getting the card in the mail. Changing it right now, good catch

Re: Why does visa hate me???

FinStar — Fri, 03 Jan 2014 00:29:46 GMT

@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?

Honestly OP, it's the specific cards you've applied for. Citi typically offers an equal (or almost equal) mix of Visa/MC. Capital One tends to be more aligned with MC (although there are still some Visa's issued) and Barclays is predominantly a MC issuer. For Visa "happy" banks you would need to turn your attention to Chase, BOA, US Bank, some CUs, etc.

Re: Why does visa hate me???

Credit-hoarder — Fri, 03 Jan 2014 00:48:57 GMT

I'm in the opposite situation although I wouldn't say Mastercard "hates" me. Outside of my Cap 1 debit card I don't have a M/C. b/c I haven't app-ed for one yet. Although I did have plans to go for USAA's Rate Adv. M/C sometime this year.

Re: Why does visa hate me???

Anonymous — Fri, 03 Jan 2014 01:01:00 GMT

@FinStar wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
Honestly OP, it's the specific cards you've applied for. Citi typically offers an equal (or almost equal) mix of Visa/MC. Capital One tends to be more aligned with MC (although there are still some Visa's issued) and Barclays is predominantly a MC issuer. For Visa "happy" banks you would need to turn your attention to Chase, BOA, US Bank, some CUs, etc.

Hm....I guess I better continue to garden so I can give Chase a try in the future and add a Visa to my wallet. I've been banking with them for 4 years but never received any offers

Re: Why does visa hate me???

FinStar — Fri, 03 Jan 2014 02:30:42 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
Honestly OP, it's the specific cards you've applied for. Citi typically offers an equal (or almost equal) mix of Visa/MC. Capital One tends to be more aligned with MC (although there are still some Visa's issued) and Barclays is predominantly a MC issuer. For Visa "happy" banks you would need to turn your attention to Chase, BOA, US Bank, some CUs, etc.
Hm....I guess I better continue to garden so I can give Chase a try in the future and add a Visa to my wallet. I've been banking with them for 4 years but never received any offers

Sounds like a good plan OP. This will definitely give you a mix of payment networks. Plus, a little variety on your cards as well

Re: Why does visa hate me???

chwebb1 — Fri, 03 Jan 2014 02:36:42 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
Honestly OP, it's the specific cards you've applied for. Citi typically offers an equal (or almost equal) mix of Visa/MC. Capital One tends to be more aligned with MC (although there are still some Visa's issued) and Barclays is predominantly a MC issuer. For Visa "happy" banks you would need to turn your attention to Chase, BOA, US Bank, some CUs, etc.
Hm....I guess I better continue to garden so I can give Chase a try in the future and add a Visa to my wallet. I've been banking with them for 4 years but never received any offers

You could also look at Citi. I'm happy with my Dividend, and it's a Visa. It offers 5% categories like the Freedom and Discover, too. And I've heard that they do SP CLI's every 6 months (unlike Chase who requires HP for CLIs).

Re: Why does visa hate me???

Anonymous — Fri, 03 Jan 2014 23:22:30 GMT

@chwebb1 wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
You know what I just realized....all my credit cards are mastercards. What's up with that? Am I not creditworthy enough for visa??? :'( or does it just have to do with the cards I've applied for?
Honestly OP, it's the specific cards you've applied for. Citi typically offers an equal (or almost equal) mix of Visa/MC. Capital One tends to be more aligned with MC (although there are still some Visa's issued) and Barclays is predominantly a MC issuer. For Visa "happy" banks you would need to turn your attention to Chase, BOA, US Bank, some CUs, etc.
Hm....I guess I better continue to garden so I can give Chase a try in the future and add a Visa to my wallet. I've been banking with them for 4 years but never received any offers

You could also look at Citi. I'm happy with my Dividend, and it's a Visa. It offers 5% categories like the Freedom and Discover, too. And I've heard that they do SP CLI's every 6 months (unlike Chase who requires HP for CLIs).

Thanks! I might look into PCing my Citi Aadvantage into another Citi product. I think I read somewhere that I have to wait for 1 year though...

Re: Why does visa hate me???

MACFRME — Sat, 04 Jan 2014 01:51:32 GMT

LOL @ this thread.

I have:

7 Visa credit cards (+ 2 AU Visas)

4 AmEx credit cards

1 Discover credit card

4 store credit cards

2 Visa debit cards

3 Mastercard debit cards

I'm sure the NSA could learn all there is to know about me if they just called Visa.

Re: Why does visa hate me???

Anonymous — Mon, 06 Jan 2014 19:39:54 GMT

@MACFRME wrote:
@Anonymous @ this thread.

I have:
7 Visa credit cards (+ 2 AU Visas)
4 AmEx credit cards
1 Discover credit card
4 store credit cards

2 Visa debit cards
3 Mastercard debit cards

I'm sure the NSA could learn all there is to know about me if they just called Visa.

Wow, nice line up macfrme, and nice CLs! Looks like visa has treated you well

Re: Why does visa hate me???

MissCredit9 — Mon, 06 Jan 2014 20:02:05 GMT

I used to be MC exclusive for awhile. It was really bothersome. Maybe you are just holding out for the Visa siggys