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MLife Rewards Mastercard should I apply?

New Contributor

MLife Rewards Mastercard should I apply?

Today I got a letter to apply for mlife MasterCard the letter came with one of those fake cc on the letter and it has a access code and reservation number. I read the letter and couldn’t find anywhere saying pre approved so I’m worried in applying and getting a hp and declined.

second issue is my credit score isn’t the best yet it used to be 590 however with me bringing down my credit utilization from 89% to 41% my score has improved however I have no idea what my exact score is since I get different scores from different cc.

ck =has my scores as 637 trans and 646 equifax

credit sesame= 637 trans

merrick = 674 

boa= 674

credit one bank =588

capital one=637

disc= 692

citi diamond preferred= 693


the offer gives me possible interest from 19.99% to 23.99%

im not happy with that interest, I figure in 6 months I will have paid off all my cc with exception of 1 and bringing  my score even higher I figure since my utilization will be 15% by then.

with a better score I figure I would get a better interest rate but if I apply later it would be a hp when I apply vs right now it seems like it might be a sp or already pre-approved since my offer has a access code and reservation code.


what would you suggest apply now and get higher interest but no hp or wait 6 months apply then get better interest but will have a hard pull I’m trying to avoid hard pulls since I have 6 inquiries in 2 years.  3 of them in 2017 and 3 from 2018

Message 1 of 4
Super Contributor

Re: MLife Rewards Mastercard should I apply?

Looks like a marketing letter to me.


Good luck

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840

"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 2 of 4

Re: MLife Rewards Mastercard should I apply?

Just a marketing solicitation OP.  It is not a pre-approved offer, unfortunately.   Moreover, if you apply now or later, it will be a HP regardless.

Message 3 of 4
New Contributor

Re: MLife Rewards Mastercard should I apply?

Thanks for info I will def wait then to apply once my score has improved even more.

Message 4 of 4
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