Visa Cards

[micvite]

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@MrDisco99 wrote:

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@micvite wrote:

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@MrDisco99 wrote:

Why do you specifically need a Visa?  Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses.  Discover is pretty good in the US, but can be a challenge abroad.  Visa and MC are pretty much universal, though.  Just my own observations.

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It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

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Not that you asked, but my advice is to not treat your credit cards like collectibles.  Find the products that actually benefit you and make a plan to get those.  Don't chase products you don't actually need.

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Yeah I get that, I mean in that case i basically have everything I need for now(other than a gas card which I'll be getting later this year). Which is why I figured I could splurge on something I wanted and I can see as potentially useful. At least until I figure out how to please the Chase gods to let me back into the gates lol. Either way I appreciate the advice, and it's not like I apply for credit cards like crazy, I'm 1/24 currently with amex plat as my last one. everything else is 2 or more years old at this point. 

[Anonymous]

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@micvite wrote:

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@MrDisco99 wrote:

Why do you specifically need a Visa?  Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses.  Discover is pretty good in the US, but can be a challenge abroad.  Visa and MC are pretty much universal, though.  Just my own observations.

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It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

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One thing to be aware of is that the network is not always a permanent thing!  From time to time, so issuers force-change existing cards from one network to another.  

[NRB525]

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@Anonymous wrote:

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@micvite wrote:

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@MrDisco99 wrote:

Why do you specifically need a Visa?  Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses.  Discover is pretty good in the US, but can be a challenge abroad.  Visa and MC are pretty much universal, though.  Just my own observations.

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It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

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One thing to be aware of is that the network is not always a permanent thing!  From time to time, so issuers force-change existing cards from one network to another.  

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Ok, this is possible, but probably the least common event to weigh when looking at a new card.

Having a VISA and a MC can make a difference in certain situations. At a restaurant I visited in NL, they only accepted MC among CC and even debit cards. The flip is also possible, only VISA.

If the card in hand were to change from VISA to MC, that would have a runway of several months for the OP to adjust. Not a factor to stress over in the initial application.  

[Anonymous]

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@NRB525 wrote:

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If the card in hand were to change from VISA to MC, that would have a runway of several months for the OP to adjust. Not a factor to stress over in the initial application.  

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Not in general, no.   But if the major (or even only!) goal is to get "a visa"......

[micvite]

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@Anonymous wrote:

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@micvite wrote:

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@MrDisco99 wrote:

Why do you specifically need a Visa?  Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses.  Discover is pretty good in the US, but can be a challenge abroad.  Visa and MC are pretty much universal, though.  Just my own observations.

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It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

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One thing to be aware of is that the network is not always a permanent thing!  From time to time, so issuers force-change existing cards from one network to another.  

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Ironically I was hoping that was going to happen with my QS card when they started issuing visas... I was certain it was going to change and then it didn't 😅