I just realized in tis thread I do not have all three! I dont have a Mastercard
Visa-Chase Freedom, Freedom Unlimited, Sapphire, Cap One Quicksilver
Yup, got all four.
- Discover (1)
- Amex (4)
- Visa (lost count since it's too many! )
- Mastercard (probaly 2 or 3)
Yes, but never all at the same time, and the official Amex was a Business card.
Discover was actually my very first bank credit card. It, my Target, and my Macy's cards were the first ones I got when I was 18 (this was looooong before the CARD Act).
I got into some trouble with it in my late teens and early 20's (as one is wont to do), but ended up with the account still being open. I got so credit shy, however, that I stopped using it and it was eventually closed for inactivity about 10 years ago.
Kicking myself now for it too... That would be a 20 year old tradeline this year, and whatever missed payment's I'd had back in the day would be quite irrelevant now.
Do you have at least one of each? If not, which are you missing?
I have a Visa by way of a local bank card backed by Elan, and a Quicksilver Mastercard. That's it so far. I want an Amex BCE next, so would there be any benefit to having a Discover too? I like the Chase Freedom revolving categories better than the Discover It categories, but I'm wondering if I should get an It card to have all four for any decent reason. Does it help in building a more well-rounded profile or increase your score to have them all?
Discover wont let me in, no matter what!!!!!!!!!!!!
Ya know what I never knew about the rule until coming here. Initially apped last year and got declined but tried Amex again last month and got my foot in the door. It'll be 5 yrs before ya know it.
Im missing Amex...
Reason is I can't apply till I'm 5 yrs post DC on my BK. Hopefully then, I can say Ill have all of them
I have one of each:
Barclay Ring (Mastercard)
Chase CSP (Visa)
I did not realized until I looked at the credit report recently, that the banks names followed the alphabet and not only that I open them in that in that order. I did not do it on purpose, it just worked out that way when I closed three other credit cards. Same thing with 4 networks, I did not open the credit cards just for that reason, but overtime applying for cards I ended up with every network.
The Chase credit card is a Visa Signature, however I do not currently have a World Elite Mastercard. I did a month ago, but I closed it as I was getting scared of Citibank.