I just realized I don't have a regular Visa card...

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papelet
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I just realized I don't have a regular Visa card...

Postby papelet » Fri Aug 08, 2014 11:07 pm

Nothing to brag about here, but I was just looking at my wallet and noticed I have: MasterCard, World MC, World Elite MC, Visa Signature ×2, Discover and AmEx. I don't have a regular Visa! Now I want one...
I just thought it was weird that MC has more love for me than Visa. I grew up thinking Visa (logo) was cooler than MC which is why I was very disappointed when I realized that my first real credit card was a MC lol.
In a more serious subject, does anyone here know why some people get more offers from MC than Visa and the other way around? Is it a regional thing? Or is it just the banks deciding what to send you based on your profile
[B]Cards:
1st. Express NEXT --------------$1,990
2nd.Cap1 Platinum MC ---------$3,250
3rd. Discover IT -------------------$5,600
4th. CSP Visa Signature --------$13,000
5th. Citi TY Pref World MC ------$5,900
6th. Freedom Visa Signature ---$7,900
7th. Amex Blue Cash Everyday-$18,000
8th. Barclays Arrival+ WEMC---$13,000


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onion
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Postby onion » Fri Aug 08, 2014 11:52 pm

papelet wrote:Nothing to brag about here, but I was just looking at my wallet and noticed I have: MasterCard, World MC, World Elite MC, Visa Signature ×2, Discover and AmEx. I don't have a regular Visa! Now I want one...
I just thought it was weird that MC has more love for me than Visa. I grew up thinking Visa (logo) was cooler than MC which is why I was very disappointed when I realized that my first real credit card was a MC lol.
In a more serious subject, does anyone here know why some people get more offers from MC than Visa and the other way around? Is it a regional thing? Or is it just the banks deciding what to send you based on your profile


No idea about your question, but I thought it was a bit odd that BofA gave me only Visa cards for all my accounts (2 checkings and 1 credit card) and my brother only got Mastercard cards. Never did find out why. Even more weird is that BofA, which created Visa, is now using Mastercard.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

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PlyrStar93
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Postby PlyrStar93 » Sat Aug 09, 2014 1:03 am

onion wrote:No idea about your question

I think OP wants a card with Visa only (not signature version).
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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nismoZtuner
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Postby nismoZtuner » Sat Aug 09, 2014 2:53 am

If you're a movies person visa had a 2 for 1 fandango tickets for a while but it ended today!

Check the visa signature side for offers- some good ones every now and then!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

DONx3
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Postby DONx3 » Sat Aug 09, 2014 4:39 am

When I lived in the midwest in the last 4 years, most credit cards offered by banks were MCs. Just my observation, smaller and regional banks use MC and wide known bigger banks use Visa more.
Amex Blue Cash Everyday 7/01
Amex SPG Business 4/17
BOA Cash Rewards Visa Sig 6/07
Chase Freedom Visa Sig 12/13
Chase Freedom Unlimited Visa Sig 7/13
Chase Ink Cash Visa Sig 5/16
Chase Sapphire Reserve Visa Inf 2/17
Discover It 1/14
IHG RC World MC 12/14

kir
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Postby kir » Sat Aug 09, 2014 8:28 am

First world problems haha.

And actually regarding the MC/Visa thing, it's the opposite for me. I grew up more with a MC so I am disappointed that my Citi card is a Visa. And that my United MileagePlus Explorer (Chase) will be a Visa soon. It's a Mastercard right now but I imagine it won't be for long.

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 09, 2014 6:37 pm

So how exactly does Visa Signature compare to World MC and World Elite MC in terms of card benefits?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

rockyrock
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Postby rockyrock » Sat Aug 09, 2014 6:42 pm

It's pretty hard to get just a "regular" Visa these days. Most banks are pushing the Signature cards and use Platinum if you don't qualify. My local bank still offers a Visa Gold but you rarely even see those.
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

randeman
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Postby randeman » Sun Aug 10, 2014 5:15 pm

I had a Visa with HSBC. Never really thought that much about it. Come to think of it, the only MC I have is my debit card. I've never been given the option for a MC credit card.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

flan
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Postby flan » Sun Aug 10, 2014 8:15 pm

CarefulBuilder14 wrote:So how exactly does Visa Signature compare to World MC and World Elite MC in terms of card benefits?


They're all about the same. The benefits a card issuer offers make more a difference the Visa or MC program differences. I've looked at the various travel things that are on offer, and have always done better elsewhere. (Or they're way out my price range, in which case who cares that the rate is ten times what I can afford, and not 20?)



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