Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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Since it's your very first credit, I'd go with Chase Freedom. Better yet, if you have a credit score of 700+ apply for both at the same time. You may just get approved for both.
But if given a...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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Very odd. i've had my cards "compromised" twice and a few false alarms, all but once triggered by Discover itself (e.g. they called ME to check on a few transactions)
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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it was very weird but if they bitch on dec 15th ill tell them my call was recorded and i tried to report it.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
Oft late, Discover has been getting too many false alerts.
Bought an iPhone on Apple.com. Didn't go through.
Bought some clothes on Express.com. Didn't go through.
Bought a guitar for $900. Didn't...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
“Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed,...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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Only a credit card will help build credit history.
I used Bank of America. So I'd recommend that.
But I'd assume that they're all pretty much the same.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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I would look into a secured card that can later be converted into a credit card (as in won't always be a secured card), although the big banks aren't too good with this, usually local credit...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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Wow! That's insane. What was the end result?
I've never had a problem (yet) and find that they're excellent with cashback. And I'm grateful that their customer service is located in the United...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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i have to wait 30 days before they will do anything its only been 17 days
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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I plan on using it mostly for online shopping. Which one gives better cash backs for online shopping/giftcard?
TIA
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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never heard of creditkarma. they give out free FICO scores or some proprietary credit score?
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
a discover more card along with a chase freedom is the smartest way to go!
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
Neither. If at all possible, try to get one through USAA.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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Yeah, I tried to use my Discover card to buy a TV a few years ago and they wouldn't let it go through. They called me to see if it was fraudulent 30 mins later and I told them I bought the TV using...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
My first card was Discover. Gave me a $500 limit, since then its increased to $2500. My second card was a sony card, but then I applied for a freedom (both are Chase) and closed the sony card. ...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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My first card was the Chase Amazon card with an $800 credit limit. Personally, the Amazon card gave better rewards (3% cashback on Amazon purchases and 1% everywhere else) since most of my purchases...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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Just another data point but my first credit card was the Citi Forward. It's geared towards students and I imagine is easier to get than the Chase Freedom and Discover More cards.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
I have both. However, my credit history is relatively short (4 years or so). When I applied for Chase Freedom, they wouldn't approve me because of that. I had to call and talk nicely to them (there...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
based on the shitty customer service at Discover card id go for Chase. What credit company would shrug its shoulder when you try and report a potentitially fraudulent charge and tell you to wait 30...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
proprietary score based on and close to the TransUnion score - they are more useful for finding wrong information & correcting it imo
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
found a quick and free way to get the FICO credit score. sign up for a free trial at myFICO.com and cancel before the trial period ends. i cancelled within half an hour online. very hassle free.
...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
Will putting my name onto my sisters banking/checking account increase/give me a credit history? She always pays her dues and has never been late.
Edit:Will probably just start out with a Secured...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
I tried to check my credit on creditkarma and nothing showed up(probably normal since I've never owned or borrowed)?
I'm going to try to get a chase freedom card as a student and later on a...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
thanks.
i just read about it this an hour ago too.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
What is your credit score approximately? While the Chase Freedom card isn't the toughest card to get, it's still difficult if you have a short credit history or a score in the low to mid 600's
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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What Tennis8363 said but if you had to choose between the two, Chase, since Discover is not always accepted everywhere in the event you need to use it at a place that doesn't accept it.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
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I applied for both relatively early.. chase gave me a 2k limit while discover only gave me $500 on their "student" card.. I would suggest the chase (if you don't trust yourself with credit.. don't go...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
That's excellent advice.
I had the secured BOA card for a year. I was also an AU on my father's account.
A year later I requested that they convert my secured card to unsecured. I was approved....
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
If you want either card to be your first credit card/revolving account, then you'll be disappointed because it's not going to happen. Start off with a store card or two, build credit history,...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
a checking account will not give you credit history - a credit account would
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
You always maximize cash back by rotating cards based on where you are buying items. I.e., use Chase Freedom at Kohl's if it is the quarter you are given 5% back, etc.
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
with 0 credit history, I doubt you will be approved for either - your looking at a secured card or having someone sign you onto one of their accounts for a bit, or perhaps even carrying a student...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
there is no "best" card for everyone - it really depends on spending habits, and as your habits change you can get cards that maximize those benefits. For example, I have an AmEx that I very rarely...
Discover More or Chase Freedom as your first credit card?
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Thread created 11-25-2012 by xNico
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33 Replies
17,742 Views
Most recently, a refrigerator and a washer/dryer set from Lowes didn't go through, neither did a TV. All purchases were $2000+ though. A call to the CSR cleared it up though.
I've had them catch...
