VISA Signature/ World MasterCard

sultan33g · ‎02-24-2015

Please explain the ways of obtaining particular cards in these versions. Is it a certain credit score ? Do you get this from being with a credit card company for a period of time?

I honestly would like to get a world MasterCard or visa signature one day and I'm not sure what the criteria is.

Thanks!!

01/14/2015 Scores: EQ: 646 TU:667 EX: 663
03/23/15 Scores: EQ: 716 TU: 778 EX: 721

Goal Scores: 750

Anonymous · ‎02-24-2015

It's mostly decided by starting credit limit, and 5k is the minimum limit. But other times the credit card company issue those cards even under 5k. My barclay arrival card was approved at 1500, but it was still a world mastercard.

AvadaKedavra · ‎02-24-2015

I don't think World Master Cards have any particular credit/minimum requirement. Visa Siganture's competeitor would be World Elite MasterCard if I'm not mistaken...

Anonymous · ‎02-24-2015

Citi gave me a world elite mastercard upgrade for my AAdvantage for no reason and it only has a $4000 credit line. And I've been with them for less than 6 months.

kdm31091 · ‎02-24-2015

Has nothing to do with a certain amount of time. Has little to do with credit score, other than you won't likely get approved for the limit required without a decent score.

Visa Sig is $5k, WMC I believe is $3k or $5k but I think they are a little looser about it.

Can I ask, OP, as to why you want this? I'm not knocking you, but just curious as to what benefits you plan to use? Many people obsess about this "upgrade" without really understanding that the actual benefits are pretty marginal. It is essentially a fancier logo on your card and that's about it. Nothing worth stressing over.

Visa Sig has roadside assistance which is one perk I would actually use and I would like to see my Quicksilver become a Visa Sig, but I'm not gonna stress about it if they tell me no.

Life is too short to worry about benefits that you are likely to never use, though. Apologies if you have a benefit you were eyeing with the WMC but it doesn't seem likely as the benefits with WMC are extremely basic and to actually use any of them would be a PITA (warranties and such).

Anonymous · ‎02-24-2015

@kdm31091 wrote:
Has nothing to do with a certain amount of time. Has little to do with credit score, other than you won't likely get approved for the limit required without a decent score.

Visa Sig is $5k, WMC I believe is $3k or $5k but I think they are a little looser about it.

Can I ask, OP, as to why you want this? I'm not knocking you, but just curious as to what benefits you plan to use? Many people obsess about this "upgrade" without really understanding that the actual benefits are pretty marginal. It is essentially a fancier logo on your card and that's about it. Nothing worth stressing over.

Visa Sig has roadside assistance which is one perk I would actually use and I would like to see my Quicksilver become a Visa Sig, but I'm not gonna stress about it if they tell me no.

Life is too short to worry about benefits that you are likely to never use, though. Apologies if you have a benefit you were eyeing with the WMC but it doesn't seem likely as the benefits with WMC are extremely basic and to actually use any of them would be a PITA (warranties and such).

What's wrong with just wanting that WORLD over your MC? For some people that provides validation and that is just as valid a benefit as any of the others.

Anonymous · ‎02-24-2015

3 of 5 cards of mine are WMC. I really don't need WMC but it doesn't hurt to have them. If my CCC is willing to give me WMC over platinum I would pick WMC. These days there is no minimum limit to have a WMC. I think banks should have a minimum limit to issue WMC or VS cards.

Anonymous · ‎02-24-2015

@Anonymous wrote:
3 of 5 cards of mine are WMC. I really don't need WMC but it doesn't hurt to have them. If my CCC is willing to give me WMC over platinum I would pick WMC. These days there is no minimum limit to have a WMC. I think banks should have a minimum limit to issue WMC or VS cards.

Most do.

Anonymous · ‎02-24-2015

@Anonymous wrote:
@Anonymous wrote:
3 of 5 cards of mine are WMC. I really don't need WMC but it doesn't hurt to have them. If my CCC is willing to give me WMC over platinum I would pick WMC. These days there is no minimum limit to have a WMC. I think banks should have a minimum limit to issue WMC or VS cards.
Most do.

I know most do which is $5,000 but I think all of them should. Citi and Barclay are the two I know who don't.

Anonymous · ‎02-24-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
3 of 5 cards of mine are WMC. I really don't need WMC but it doesn't hurt to have them. If my CCC is willing to give me WMC over platinum I would pick WMC. These days there is no minimum limit to have a WMC. I think banks should have a minimum limit to issue WMC or VS cards.
Most do.
I know most do which is $5,000 but I think all of them should. Citi and Barclay are the two I know who don't.

It's for the issuer to decide. If they get a higher swipe fee and I get a WMC with a less than 5K limit, then more power to me.