VISA vs. mastercard

For years we had a VISA credit card through our bank, Navy Federal Credit Union. About a year ago we switched to mastercard because of confusing and misleading bills. They were hard to follow AND VISA had an option on monthly bills where you could pay ahead. WHAT? why would anyone pay their credit card ahead for charges that they hadn't been billed for?

We've been happy with our switch to mastercard. Their monthly invoices are clear and straightforward. mastercard lists all the charges for the month with a total. There is no option to pay ahead. Again, why would anyone pay ahead on charges that they hadn't been billed for?

That we made the right decision to switch to mastercard became even more evident recently when we noticed charges from a vendor that we didn't know. The total was $160. when we called mastercard, they told us not to worry--that mastercard would credit the $160 to our account. They issued us new mastercards. They contacted the vendor and we received a letter from mastercard that the vendor would issue a $160 credit to our mastercard account and mastercard would remove their credit. Problem solved. Thank you, mastercard!

contrast that with a similar suspicious charge on our NFCU VISA card several years ago. We were told that we had to try to work it out with the vendor first. 

So, when we're asked "what card do you have in your wallet?", we answer "MASTERCARD!", with BIG smiles on our faces.