Update: This very popular deal is still available.
Chase is offering a $200 Bonus after you spend $500 on purchases in the first 3 months of account opening for the Chase Freedom UnlimitedĀ®. Annual fee is $0. Thanks helper02
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Original Post
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Edited January 13, 2021
at 01:02 PM
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Chase is offering a $200 Bonus after you spend $500 on purchases in the first 3 months of account opening for the Chase Freedom UnlimitedĀ®. Annual fee is $0.
Card Details:
Slickdeals may be compensated by Chase.
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Call the reconsideration line immediately.
Call the reconsideration line immediately.
If you get rejected sometimes there are errors in their automation side or just simply discrepancies. I have always called the reconsideration lines for credit agencies and sometimes even gotten approved over the phone.
At the least it will tell you why you got denied and it will be a learning experience. In this specific case: Always call
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.* And earn 5% cash back on grocery store purchases (not including TargetĀ® or WalmartĀ® purchases) on up to $12,000 spent in the first year.*
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"This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months."
Did you close the Freedom Unlimited card you already have and apply fresh and got confirmation that you qualified for the bonus ?
Catch is to get rid of it in 15 months because then it reverts to highest interest possible.
It usually takes me several years of having a credit card to build to that kind of credit limit.
Thanks so much.
If I don't need to buy anything, would it be crazy for me to make extra house payments because of the 0% interest and just pay it before interest starts?
My credit score is 636 (I screwed up in college)
Got approved instantly. 50k salary.
Oh, credit score in low 800s, salary is in low 6 figures. fark YOU, CHASE. Not happy about their partners Slickdeals either.
UPD: Just received spam email from doordash, never had one before. I guess whatever assholes are behind this already "shared" my email address with their "partners" (doordash subscription is part of the deal, if you read the fine print)
Oh, credit score in low 800s, salary is in low 6 figures. fark YOU, CHASE. Not happy about their partners Slickdeals either.
UPD: Just received spam email from doordash, never had one before. I guess whatever assholes are behind this already "shared" my email address with their "partners" (doordash subscription is part of the deal, if you read the fine print)
To get there, select the menu stack(top left), then the "Just For You" midway down the menu.
How does one send referral link, on the Chase.com portal?
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He gives terrible advice for responsible people to actually build wealth.
We make a lot of profit annually on credit card signup bonuses... thousands to tens of thousands per year depending on the offers and various statues for a given year...on top of the rewards for the routine spend you'd miss if you paid cash like Ramsey wants.
All without ever carrying a penny of debt or paying a penny in interest.
That's all wealth Ramsey would've told us not to bother acquiring because CREDIT CARDS BAD. DEBT AND CREDIT BAD. ALWAYS PAY CASH.
Debt and credit are excellent if used by responsible people who know how math and interest work.
We currently have both a mortgage and a car loan we could've paid off in cash, but it made no sense to do so when we could earn a ton more than the ~2% interest we're paying on that debt by investing the cash elsewhere.
That is certainly not everybody- and for those who that doesn't describe- sure- Ramsey.
Which card would you personally recommend for a person's first cash back / point rewarding card? I have zero debt (mortgage aside).
That's very much an "it depends" kinda answer...
At a high level some of the major factors are:
How willing are you to use multiple cards?
How much overall do you expect to be able to spend on a credit card in a year (without taking on any month-to-month debt to do so)
How much (outside a pandamic) do you or are you likely to travel? What kind, and to where?
Do you have (or can you reasonably easily get) Platinum Honors Status with BoA? (easiest way for most folks is having an IRA/401k rollover in ML)
In what say 3 or 4 categories do you tend to put most of your "category" type spending?
So like for someone looking to maximize how much they get in rewards, and having a reasonable amount of monthly ongoing spend available- doing new card signup bonuses is by far the best return (where you can often get 10-20% of the amount you spent back WITHOUT considering rewards like premium travel (where the reward rates can get even higher than that)
For that person they'd normally want to start with chase business cards (since those don't report to your personal credit and thus don't get in the way of opening other cards later) like the Ink Cash, Ink Unlimited, and Ink Business Preferred... but word on the street is those are harder to get with pseudo-businesses like selling on ebay than they used to be... so if that doesn't work you'd want to move on to 5 chase personal cards... Probably the CSP has the best signup right now... and for long-term you'll likely want both an Freedom and a Freedom Unlimited as well, after that depends on your use/habits what other 2 chase cards to go for... and then on from there based on the various banks new card restrictions.
For someone who just wants "one" card to do everything- if you don't have BoA Plat honors status, and you don't spend more than about 12k a year- just get a Citi Doublecash.... 2% on everything and that's it.
Same person but spends over 12k? Get the Alliant card that gives 2.5% but has an annual fee (that is more than paid for with the extra .5% at 12k or more spend).
Same person but does have BoA status? Suck it up and get 2 cards- Their premium rewards and cash rewards cards get you significantly better than 2% on non-category and even more on several categroies IF you have Plat Honors status.
Lastly- if you're not interested in chasing signups all the time but ARE willing to hold say 3-5 different cards to max value from normal spend... then it comes down to what you tend to spend on.
The BoA combo is a pretty good start there if you have the status I mention... and augment with another card or two with 5% rotating categories (like the Freedom, or DiscoverIT)
If you don't have that status, the Freedom and DiscoverIT are still worth having for the rotating 5% categories, which other cards will depend on what you tend to spend on... and how much.... (for example Amex has 1 card that gives 3% CB on groceries with no annual fee... and one that gives 6% with a fee... if you spend enough on groceries the fee is worth it but you have to do the math on your own situation...same with some other categories)
So in short... it's complicated
(and not necessarily THAT complicated for you specifically- but trying to give an answer that fits everyones case is)
If you do want more specific advice, but don't feel comfortable discussing stuff like what you spend on groceries in a year or whatever feel free to drop me a message
Anyone else having this issue?
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