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11-23-05, 02:10
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#1 (permalink)
| | 03 bonneville/98 tahoe
III is offline
Join Date: Jan 2004 Location: WI Posts: 746 | mastercard or visa?
Which do you all have? I'm debating whether to dump my mastercard and go with my visa instead. There's no particular reason, but I find having both kind of pointless and I have more of a credit line on the visa. Someone told me one is better for overseas travel, but I can't back that up 100%. | |
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11-23-05, 02:23
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#2 (permalink)
| | Ari Gold
G35stilez is offline
Join Date: Jul 2003 Location: Southport, CT Posts: 6,667 | I keep both, mainly for reasons if one isn't accepted somewhere.
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'02 Escalade | |
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11-23-05, 05:06
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#3 (permalink)
| | Registered User
CoryB is offline
Join Date: Jun 2005 Location: VA Posts: 65 | I have both . And they get me a gasoline rebate of some kind. So it doesn't matter which one I use, I'm earning a small portion back in gas.
I also have one other card with a low credit limit used only for online purchases. | |
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11-23-05, 07:24
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#4 (permalink)
| | Now with twice the head
Scottwax is offline
Join Date: Oct 2001 Location: Arlington, TX Posts: 25,180 | Both, plus Discover. Whichever one has the lowest current interest is the one I use.
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Owner, Scott's Mobile Auto Detailing
I test for Optimum, Clearkote and Meguiars
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11-23-05, 08:12
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#5 (permalink)
| | Registered User
General Lee is offline
Join Date: Apr 2004 Location: Maryland Posts: 977 | Quote: |
Originally Posted by Scottwax Both, plus Discover. Whichever one has the lowest current interest is the one I use. | X2
I use American Express sometimes too. I Really don't know why I have it, because all the perks it offers have nothing to do with my lifestlye. It does keep you in check by forcing you to pay in full each month.
__________________
2005 Toyota 4Runner SR5 4WD
2005 Jeep Wrangler Unlimited
1998 F-150 STX
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11-23-05, 09:49
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#6 (permalink)
| | Banned
Pontman43 is offline
Join Date: Jul 2005 Location: Antioch, Bay Area, CA Posts: 1,312 | I only have a Visa. What is the difference between the two? | |
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11-24-05, 08:33
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#7 (permalink)
| | Hand Wash Only
lix is offline
Join Date: Nov 2004 Location: Lancashire, UK Posts: 114 | I've never seen a place that only accepts one over the other, except the website for 2006 Football World Cup tickets... they would only accept MasterCard for a time because MC are a tournament sponsor! Just go for whichever has the lowest rate. | |
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11-24-05, 09:28
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#8 (permalink)
| | Registered User
JBM is offline
Join Date: Dec 2004 Location: Florida Posts: 1,626 | I think the same company own both MC and Visa.
I use my debit card, if i cant pay for it cash, i dont need it. (Excluding vehicles, houses, and spaceships) | |
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11-24-05, 09:28
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#9 (permalink)
| | i'm on quack
Kanchou is offline
Join Date: Feb 2004 Location: Atlanta, Ga Posts: 317 | | |
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11-24-05, 10:32
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#10 (permalink)
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BigAl3 is online now Join Date: Mar 2005 Posts: 6,107 | i wouldn't close any of your credit card accounts. it's an open line and it looks bad if you close it (so i'm told). just use the one you lease favor, a couple months out of the year on like a $10 purchase or something, and put it away. if you don't like the interest rate, call and ask them to lower it (may not be much, but it's better than nothing). i've done it a few times and they've complied. | |
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11-24-05, 11:23
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#11 (permalink)
| | 03 bonneville/98 tahoe
III is offline
Join Date: Jan 2004 Location: WI Posts: 746 | Quote: |
Originally Posted by Kanchou |
Great link, especially the last one by Howard Clark. I listen to him off and on. | |
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11-24-05, 11:27
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#12 (permalink)
| | 03 bonneville/98 tahoe
III is offline
Join Date: Jan 2004 Location: WI Posts: 746 | Quote: |
Originally Posted by imacarnut i wouldn't close any of your credit card accounts. it's an open line and it looks bad if you close it (so i'm told). just use the one you lease favor, a couple months out of the year on like a $10 purchase or something, and put it away. if you don't like the interest rate, call and ask them to lower it (may not be much, but it's better than nothing). i've done it a few times and they've complied. |
Interesting comment imacarnut, as I never heard this before. Contrary to what I've read so far, I still think I'm going to dump the mastercard. I still haven't made up my mind though. (it seems a lot of people have both) In my opinion I don't see the need for two different cards when pretty much every merchant takes both. It doesn't matter what my interest rate is, as I pay everything off each month. There are months when I don't put anything on the card at all. | |
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