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Its one of those things. If you know, you know. Easy money.
That's B.S. Wifey and I apply for at least 6-8 cc's/year and our credit rating is around 830/ea. Applying for a cc makes a tiny hit to your cc rating which goes away pretty quickly.
If your credit rating is so bad that your worried about this, then you have bigger financial problems to solve.
The amount of new accounts opened per year is only a small percentage of the overall credit formula. The majority of your score is based on you debt to income ratio. I open around 4 cards per year and sit around 790-810 credit score. That is still in the range to get the best available interest rates.
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wasting a credit pull and a slot in my 5/24 for 200 bonus seem quite low lol... im used to 75k - 100k points bonus when sign up for new cc
Depends on your situation. I don't really have any chase cards that I'm eligible for another SUB so might as well. The 4 year wait on the Sapphire cards is brutal lol.
I tried to apply last night, but forgot to unfreeze my credit. And my application was denied. I guess I'll have to wait for the letter to come in the mail and wait 6 months before applying again.
yes it does and you get 7% back in rewards when you choose 'slowest' shipping option, vs 6%
I'm not seeing this anywhere on the linked offer page or term & conditions. How does this work? Do you see it at checkout? Perhaps I'm missing something.
Also, is there any limit to how much cash back you can get?
Also, do you still get cash back even if buying Amazon gift cards and refills?
I tried to apply last night, but forgot to unfreeze my credit. And my application was denied. I guess I'll have to wait for the letter to come in the mail and wait 6 months before applying again.
You don't have to wait. Same thing happened to me and I called their customer service after I unfreezed my credit reports. Then they just checked my application again and approved it. Very easy process.
I opened about 14 past 2 years. My score hasn't really improved much but currently 780 with zero debt.
The only way to get past that is to take on hundreds of thousands of dollars in debt in the form of a mortgage. You'll be over 800 after your first payment.
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If your credit rating is so bad that your worried about this, then you have bigger financial problems to solve.
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Yea, same $50 for me. I will just wait until they give me $200 incentives.
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Also, is there any limit to how much cash back you can get?
Also, do you still get cash back even if buying Amazon gift cards and refills?
You don't have to wait. Same thing happened to me and I called their customer service after I unfreezed my credit reports. Then they just checked my application again and approved it. Very easy process.
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The only way to get past that is to take on hundreds of thousands of dollars in debt in the form of a mortgage. You'll be over 800 after your first payment.