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Finance > Credit Cards
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#16
04-03-2012, 06:29 AM
If you keep it, it has no impact except the initial credit inquiry during the application. If you cancel it, it will impact for a limited time, I think 6-12 month. Keeping it will actually help your credit since it increases your credit ratio. But if you don't plan to use your credit for anything, who cares if it drops 5-30 points, since it will rise back up in a year or so. If you plan on buying a house or a car, then I would not even attempt this. |
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Multi-Quote| 04-03-2012, 06:29 AM | |
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#17
04-03-2012, 06:29 AM
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can a person who already has chase freedom apply for this?
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#18
04-03-2012, 06:30 AM
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#19
04-03-2012, 06:30 AM
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Micro23, that last sentence is an amazing statement!!! I've got the great credit,but unfortunately some debt to go with it..LOL
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#20
04-03-2012, 06:31 AM
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I'm a college student and I've never had a credit card before. Only have a debit card. I've been planning on getting a credit card soon but wasn't sure when to jump in. Will it hurt me in any way by jumping on this offer and what's the chances of me getting approved?
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#21
04-03-2012, 06:33 AM
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#22
04-03-2012, 06:34 AM
You're report and score will take a minor hit on any hard inquiry but if you limit it to one or two a year it will be negligible and roll off. Biggest thing is to not make your report look like you're credit shopping and seeing who will accept you. |
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#23
04-03-2012, 06:34 AM
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I'm considering applying. How easy is it to get approved? My credit score is ~700. However, my income is very low because I only work part-time because I'm a student.
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#24
04-03-2012, 06:37 AM
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#25
04-03-2012, 06:38 AM
I've got some Credit cards with CB and after I received initial CB, I've kept them lying there. I use them occasionally so they won't cancel my card. My credit score was not hurt. But you should not cancel old credit cards because it will hurt your credit score. These cards have no annual fee, so nothing to lose. |
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#26
04-03-2012, 06:39 AM
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My wife and I got this offer previously and have already received our bonus points. We both got Amazon.com at 10% off... so like $330 of Amazon credit each ($660 total!). Good deal.
I also had an Amazon.com credit card and that wasn't a problem. |
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#27
04-03-2012, 06:41 AM
  I also been denied Citicard last year...but was approved this time for thank youcard..hell they sent a personalized offer to me, although only got $250 offer  Donno but I must be doing something right for building my credit 
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#28
04-03-2012, 06:41 AM
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already have the sw and amazon with them, got denied per too many cards.
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#29
04-03-2012, 06:41 AM
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Arg just applied yesterday for the $250 cb offer
Called cs and they said i could call them once I get the cc with this offer number and they should be able to credit me the difference. Hopefully it works! Awesome deal ops and repped 
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#30
04-03-2012, 06:42 AM
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