Re: Wanting a Mastercard but with who?

snowkitty · ‎02-15-2013

I want to get a mastercard sometime this year so I can have each major credit card. I do not want to change my freedom over to a mastercard because I have such a low limit. I don't know how fast that one will grow. I was looking at the Paypal Mastercard because I know the limit will grow quickly but the interest rates are crazy so I could never really run a balance if I needed/wanted too. I thought about getting one through FNBO since I have an Amex card with them but I don't know how good they are about opening a second credit card account. Any suggestions? I'm not doing anything now because I just got the two new Amex cards and I don't know how new account sensitive they are. I want the 61 days increase next month and I don't think a new card would look good for that.

jsickz32 · ‎02-15-2013

Im on this same boat. Only MC i have is my lame Citizens bank CC that im thinking about closing. I was thinking about Citi Diamond preffered.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

snowkitty · ‎02-15-2013

@jsickz32 wrote:
Im on this same boat. Only MC i have is my lame Citizens bank CC that im thinking about closing. I was thinking about Citi Diamond preffered.

I looked at Citi but I don't know how hard they are to get in with. I have a shell gas card with them that I got back in September and it was like putting teeth to get approved. I worried they would give me a 500 limit since that is what my freedom card was approved for.

jsickz32 · ‎02-15-2013

I was approved for my freedom with a 500 cl aswell. Couple days later i apped for my forward and was approved for 2k. Hell same day i got approved for 500cl freedom i was approved for bce with a 2.5kcl. Chase is really stingy about cls.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

adavis425 · ‎02-15-2013

@snowkitty wrote:
I want to get a mastercard sometime this year so I can have each major credit card. I do not want to change my freedom over to a mastercard because I have such a low limit. I don't know how fast that one will grow. I was looking at the Paypal Mastercard because I know the limit will grow quickly but the interest rates are crazy so I could never really run a balance if I needed/wanted too. I thought about getting one through FNBO since I have an Amex card with them but I don't know how good they are about opening a second credit card account. Any suggestions? I'm not doing anything now because I just got the two new Amex cards and I don't know how new account sensitive they are. I want the 61 days increase next month and I don't think a new card would look good for that.

Perhaps you can get BofA to switch your Visa to MC? I had NFCU convert my Platinum Visa to Platinum MC through secure messaging-not difficult at all. That way I avoided a HP or opening a new TL.

snowkitty · ‎02-15-2013

@jsickz32 wrote:
I was approved for my freedom with a 500 cl aswell. Couple days later i apped for my forward and was approved for 2k. Hell same day i got approved for 500cl freedom i was approved for bce with a 2.5kcl. Chase is really stingy about cls.

I see your Freedom is now 3k. How long did it take you to get that cl? I just opened mine back in November. They are definitely stingy....I got approved for the Blue Sky at the beginning of Jan for 2.4k and then the BCE a few weeks later for 5.5k It's a shame because I really like the freedom card but I have been using it less since I got the Amex's

snowkitty · ‎02-15-2013

@adavis425 wrote:
@snowkitty wrote:
I want to get a mastercard sometime this year so I can have each major credit card. I do not want to change my freedom over to a mastercard because I have such a low limit. I don't know how fast that one will grow. I was looking at the Paypal Mastercard because I know the limit will grow quickly but the interest rates are crazy so I could never really run a balance if I needed/wanted too. I thought about getting one through FNBO since I have an Amex card with them but I don't know how good they are about opening a second credit card account. Any suggestions? I'm not doing anything now because I just got the two new Amex cards and I don't know how new account sensitive they are. I want the 61 days increase next month and I don't think a new card would look good for that.
Perhaps you can get BofA to switch your Visa to MC? I had NFCU convert my Platinum Visa to Platinum MC through secure messaging-not difficult at all. That way I avoided a HP or opening a new TL.

The bofa I have is the 99/500 I just got the rewards added on to it a few weeks ago. I worry about how that credit limit is going to grow too.

jsickz32 · ‎02-15-2013

I got a auto cli to 1k at 3 months and then i requested a cli to 3k at 6 months. It was a HP but that good card was useless with a 500 cl so i feel the HP was worth it.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

BornSupercharged · ‎02-15-2013

I'd say Capital One would be easier to get in with than Citi, but I do love my Citi Diamond Preferred with its EMV chip

jsickz32 · ‎02-15-2013

They offer it with a EMV chip??? Is it a WMC? is the sign silver? Thanks

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Wanting a Mastercard but with who?

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Wanting a Mastercard but with who?