- Green Member
- Posts: 4
- Joined: Thu Mar 28, 2013 4:29 pm
- Location: New York City, NY
Hello everyone. This is my first post, so please bare with me. I've been perusing these forms for the past week and have found (almost) all the answers to my many questions. But alas, I need to participate to get some more answered!
So I currently have an Amex Blue Sky, which I am going to switch to a BCE in a month or so after I redeam my points for a $100 statement credit. The points don't transfer. I just raised my credit limit from 4k to 10k with them last night, without a problem. I've had the card since 2012 (by the way, I am 23, a year out of university working as an Executive Assistant in Manhattan with student debt, just to give some more background). I also have a Chase visa from 2008. It's a basic Plus One, or whatever they call it now.
I want to add a Mastercard to my mix mostly because Visa Paywave doesn't work in NYC taxis or at Duane Reade, the wonderful New York pharmacy/convenience store. I also have heard that in some countries Mastercard has slightly wider acceptance. I've lived abroad (in Canada and Germany) and I never had trouble with my Chase Visa, but still, it can't hurt.
I wanted to do a PC to a Mastercard Freedom, so I phoned Chase last night. The woman told me that in order to qualify for the Mastercard version I would need a minimum credit line of 5k. I had 2k. So I requested 6k and she transfered me to the loan department for a quick interview. They asked me the basics and I was approved for the 6k. Then they transfered me back to a different lady...here's where the trouble began...
The option for a Mastercard Freedom wasn't showing up on her screen and she seemed confused and not too eager to assist. She disconnected my call. I phoned back and was connected with a much nicer and more helpful woman. She took the time to look into my inquiry and spoke with a superviser. Now she told me that a Mastercard version is indeed available (she hadn't heard about a minimum credit limit, though) but it wasn't available for a PC from my current Chase Visa. So she said I could apply for it direct from Mastercard's website. I was avoiding that since I didn't want a third card.
So I clicked the link on MC's website to apply for the Freedom. I gave my Chase username and password to auto-fill the application. I was instantly approved with a 3k credit line. So now I am waiting to see if it indeed will be a Mastercard and not a Visa.
I knew that I was pre-approved for the Freedom after having spoken with a banker at a branch last week. But a couple days ago I applied for a USAA Mastercard with an EMV (I really want an EMV chip!) and was denied. Probably since I had no deposits or history with USAA. So that was one hard pull. Then last night I had Amex do another hard pull for the increased credit line. Then Chase made a pull for my Visa credit line increase. Now, I don't know if these were all hard pulls, but some of them certainly were.
Bottom line: is this Freedom going to arrive as a Mastercard or a Visa? Even though I started from MC's website, I was at some point transitioned over to Chase's website for the application and there were no logos or names for either MC or Visa.
Many thanks in advance! You guys are great!