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The Chase Prime Visa is literally one of the most PREDATORY, borderline ILLEGAL cards in the entire credit card industry.
Charge $1000 on this card, pay off $900. You should only be charged interest on $100, but the interest is for the full $1000. Yeah, GTFO. Show me any other charge card that does this.
People make mistakes with auto-pay. Sometimes despite one's best efforts or a family medical emergency, you miss paying off the full balance one month. I get this card has no annual fee and Chase has to make their profits somehow, but this is legit the most predatory way to do it. Zero-forgiveness in this card, so if you do sign up, make sure you never under any circumstance miss the full payment, even by missing one cent or by one day.
I'd rather carry Chase Freedom Flex + Discover IT cards (both with no annual fee), take advantage of staggered 5% cashback on all Amazon purchases for two quarters of a calendar year (including this holiday quarter), and just not deal with the BS.
A lot of you out there are chasing a $200 gift card carrot, but the 100% accrued balance interest penalty stick may hit you back a lot harder in the long run...
Declined with an over 800 credit score.
If you visit the page for this, you can do a pre-qualify check before actually applying.
Also, right after you get approved, you can grab a referral link to have friends/family use and you can get another $50 per each approved referral. (Up to $500)
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I've had one of these cards for years, and it is great. Not only do you get 5% back on your Amazon purchases (which with Subscribe and Save is usually cheaper than driving to Walmart), but you also get the added purchase protections that come with a VISA card. Specifically, the free extended warranty through VISA. And since everything I buy is documented on Amazon, it makes it easy to pull the receipts.
Just make sure not to use your cc rewards on your purchases, or you will lose out on the 5% earnings for that purchase.
what exactly do you think the danger of someone knowing your credit score is?
It has nothing to do with them knowing my score. I think that should be pretty obvious...
I don't need inquires on my history over a lousy 200 bucks when there's practically limitless cards giving much more than that. Yes you have to spend money with them. Yes you have to wait a couple months for it. This is instant. I get it. Big deal. We're talking your credit report and credit cards. You THAT hard-up for money that you can't wait for more than double the payout?
Here's an example:
OFFER: "FREE COOKIE WITH VALID EMAIL ADDRESS!"
ME: "Hey guys, there's 15 other companies giving away 8 free cookies with valid email address."
Looking for a new card that offers "Extended Warranty Protection" (literally the only reason I'll purchase stuff on a CC, never hold a balance). See a couple of comments about customer service. Anyone gone through the claim process with this card and can offer feedback?
I suggest this thread to start, but be aware the OP is very old. Still insane amount of great data and help in there.
But as an example, I just received a Chase Ink offer. 100k bonus points, which can be directly cashed in for $1000 cash back or $1250 in airline credit. That's a big one. But 40k is average, or maybe even below average. $400 minimum, or I'm not touching it.
Instant gratification and success is worth something.
Chase Ink requires me to spend $8K in 3 months to get that bonus. I don't have expenditures that high, especially those that I can charge... and even if I did, I'd have to re-route how I pay for those expenses, etc. And maybe some of those expenses are ineligible toward the total... And then there's the annual fee, which means I need to cancel it at some point. Do I need to prove I'm a business owner?
Some people do not want to have to work too hard for it.
I suggest this thread to start, but be aware the OP is very old. Still insane amount of great data and help in there.
But as an example, I just received a Chase Ink offer. 100k bonus points, which can be directly cashed in for $1000 cash back or $1250 in airline credit. That's a big one. But 40k is average, or maybe even below average. $400 minimum, or I'm not touching it.
How did you get 100K? I recently did chase ink cash for business for 90K TIA.
If you visit the page for this, you can do a pre-qualify check before actually applying.
Also, right after you get approved, you can grab a referral link to have friends/family use and you can get another $50 per each approved referral. (Up to $500)
there is no referral link for this card, only one that gives $50 is the freedom cards
there is no referral link for this card, only one that gives $50 is the freedom cards
Literally after getting approved it brought me to a page (via Amazon App where you manage the visa card on Amazon) that has a button to refer people. It gives me a personal link I can share via text email etc. Every referral it gives me $50 (in Amazon money), I already did it twice with friends. So I'm $100/$500 now. Very easy. Please don't spread misinformation.
Terms are listed below:
By sending this invitation, you agree that you will personally send the messages and you will not use bots or similar automated processes to send messages by mass distribution.
Earn up to $500 in Amazon Gift Cards: You can receive a $50 Amazon Gift Card for each friend you refer through this Refer-A-Friend offer who is approved for the card. Maximum bonus accumulation for this offer is $500 in Amazon Gift Card value in a calendar year. You may earn bonus Amazon Gift Cards up to the stated maximum for each offer, however, please note that if you take advantage of multiple opportunities within one calendar year the maximum value of bonus Amazon Gift Cards that can be awarded from all referral offers is $500 per calendar year. In the event the bonus Amazon Gift Cards you earn from all referral offers exceeds the $500 per calendar year limit, you may be awarded a partial amount to keep your total bonus at the total value of $500. For example, if you have already accumulated $470 in Amazon Gift Cards from refer-a-friend offers that calendar year and the maximum is $500 in Amazon Gift Cards per calendar year then the next award will be a $30 Amazon Gift Card even if the offer states $50 Amazon Gift Card. The value of this offer or program may result in miscellaneous income received from Chase and Chase may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes. This offer is subject to change and may be cancelled at any time without notice. To be eligible for this bonus offer, your Amazon Visa credit card account must be open and not in default at the time of fulfillment. Upon the new cardmember's approval for the Amazon Visa, the $50 Amazon Gift Card will be loaded into your Amazon.com account.
Due to the confidential nature of the credit approval process, neither Amazon nor Chase can disclose information on who has applied, nor will you be notified whether Chase approves or declines any application(s) from the individual(s) you refer.
Chase employees are not eligible to refer friends for this promotional offer.
Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
When I start to care what credit score I have is the day I realize I failed in life
I make enough and have enough assets to get approved for anything I apply. Obviously chase 5/24 is a hard requirement I can't bypass but other than that credit score is not something I worried about in many years
When I start to care what credit score I have is the day I realize I failed in life
I make enough and have enough assets to get approved for anything I apply. Obviously chase 5/24 is a hard requirement I can't bypass but other than that credit score is not something I worried about in many years
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Charge $1000 on this card, pay off $900. You should only be charged interest on $100, but the interest is for the full $1000. Yeah, GTFO. Show me any other charge card that does this.
People make mistakes with auto-pay. Sometimes despite one's best efforts or a family medical emergency, you miss paying off the full balance one month. I get this card has no annual fee and Chase has to make their profits somehow, but this is legit the most predatory way to do it. Zero-forgiveness in this card, so if you do sign up, make sure you never under any circumstance miss the full payment, even by missing one cent or by one day.
I'd rather carry Chase Freedom Flex + Discover IT cards (both with no annual fee), take advantage of staggered 5% cashback on all Amazon purchases for two quarters of a calendar year (including this holiday quarter), and just not deal with the BS.
A lot of you out there are chasing a $200 gift card carrot, but the 100% accrued balance interest penalty stick may hit you back a lot harder in the long run...
Also, right after you get approved, you can grab a referral link to have friends/family use and you can get another $50 per each approved referral. (Up to $500)
Sign up for a Slickdeals account to remove this ad.
Just make sure not to use your cc rewards on your purchases, or you will lose out on the 5% earnings for that purchase.
I don't need inquires on my history over a lousy 200 bucks when there's practically limitless cards giving much more than that. Yes you have to spend money with them. Yes you have to wait a couple months for it. This is instant. I get it. Big deal. We're talking your credit report and credit cards. You THAT hard-up for money that you can't wait for more than double the payout?
Here's an example:
OFFER: "FREE COOKIE WITH VALID EMAIL ADDRESS!"
ME: "Hey guys, there's 15 other companies giving away 8 free cookies with valid email address."
That's it. That's all I'm sayin.
Can I get the $200 on the alternate and move that money over somehow? Can you buy an Amazon gift card with gift card funds?
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But as an example, I just received a Chase Ink offer. 100k bonus points, which can be directly cashed in for $1000 cash back or $1250 in airline credit. That's a big one. But 40k is average, or maybe even below average. $400 minimum, or I'm not touching it.
Chase Ink requires me to spend $8K in 3 months to get that bonus. I don't have expenditures that high, especially those that I can charge... and even if I did, I'd have to re-route how I pay for those expenses, etc. And maybe some of those expenses are ineligible toward the total... And then there's the annual fee, which means I need to cancel it at some point. Do I need to prove I'm a business owner?
Some people do not want to have to work too hard for it.
But as an example, I just received a Chase Ink offer. 100k bonus points, which can be directly cashed in for $1000 cash back or $1250 in airline credit. That's a big one. But 40k is average, or maybe even below average. $400 minimum, or I'm not touching it.
Also, right after you get approved, you can grab a referral link to have friends/family use and you can get another $50 per each approved referral. (Up to $500)
Literally after getting approved it brought me to a page (via Amazon App where you manage the visa card on Amazon) that has a button to refer people. It gives me a personal link I can share via text email etc. Every referral it gives me $50 (in Amazon money), I already did it twice with friends. So I'm $100/$500 now. Very easy. Please don't spread misinformation.
Terms are listed below:
By sending this invitation, you agree that you will personally send the messages and you will not use bots or similar automated processes to send messages by mass distribution.
Earn up to $500 in Amazon Gift Cards: You can receive a $50 Amazon Gift Card for each friend you refer through this Refer-A-Friend offer who is approved for the card. Maximum bonus accumulation for this offer is $500 in Amazon Gift Card value in a calendar year. You may earn bonus Amazon Gift Cards up to the stated maximum for each offer, however, please note that if you take advantage of multiple opportunities within one calendar year the maximum value of bonus Amazon Gift Cards that can be awarded from all referral offers is $500 per calendar year. In the event the bonus Amazon Gift Cards you earn from all referral offers exceeds the $500 per calendar year limit, you may be awarded a partial amount to keep your total bonus at the total value of $500. For example, if you have already accumulated $470 in Amazon Gift Cards from refer-a-friend offers that calendar year and the maximum is $500 in Amazon Gift Cards per calendar year then the next award will be a $30 Amazon Gift Card even if the offer states $50 Amazon Gift Card. The value of this offer or program may result in miscellaneous income received from Chase and Chase may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes. This offer is subject to change and may be cancelled at any time without notice. To be eligible for this bonus offer, your Amazon Visa credit card account must be open and not in default at the time of fulfillment. Upon the new cardmember's approval for the Amazon Visa, the $50 Amazon Gift Card will be loaded into your Amazon.com account.
Due to the confidential nature of the credit approval process, neither Amazon nor Chase can disclose information on who has applied, nor will you be notified whether Chase approves or declines any application(s) from the individual(s) you refer.
Chase employees are not eligible to refer friends for this promotional offer.
Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
I make enough and have enough assets to get approved for anything I apply. Obviously chase 5/24 is a hard requirement I can't bypass but other than that credit score is not something I worried about in many years
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I make enough and have enough assets to get approved for anything I apply. Obviously chase 5/24 is a hard requirement I can't bypass but other than that credit score is not something I worried about in many years