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Thanks for bumping this thread, I forgot when my membership is up. I better call them up to cancel ASAP!!! I don't want to pay the $175 FEE, hope they give me another year. I've made over $1500 in points and I'm not even a big spender.
Parents have sh1tty credit so I was out on my own. First score when I was 18 was 575 and now 5 years later I'm currently 767 Transunion and 741 Experian. Be active on your CC but do NOT carry a balance, if you must carry a balance, stay below 30% of your total credit utilization. Use creditkarma.com or creditsesame.com (both free).(For example: $1000 credit, carry less than $300). Spend everything on CC but pay off immediately. I'm buy something for $1000 and pay off within the next 3-4 days til the balance shows, I get cashback but I'm being active.
WATCH YOUR SPENDING! Know your credit score before you apply, those hard pulls drop you a 2-5 points. I know one peer of mine that has 14 HARD PULLS , All those stupid department stores asking if you want 10% for a store card that has a fixed interest rate near 29.99%. I did finally bite on a Kohl's Charge card because of the sweet discounts I miss out on (NOT your best choice to get to start building credit)
I haven't heard from Chase after I applied so I called them today and the CSR said he doesn't have the ability to check on the status other than to tell me I should be getting something in the main in the next few days, is that Chase's polite way of telling I got denied?
Thanks for bumping this thread, I forgot when my membership is up. I better call them up to cancel ASAP!!! I don't want to pay the $175 FEE, hope they give me another year. I've made over $1500 in points and I'm not even a big spender.
What fee are you referring to? There is no fee for the Freedom card.
What fee are you referring to? There is no fee for the Freedom card.
geesh I blew that call. I thought I was in the AMEX GOLD deal, a lot on my mind lately. It was 75k pts after spending $500 in 3 months and they waive the $175 yearly fee. Then they loaded another 40k pts out of nowhere for nearly $1200 in points.
# I also got this Chase Freedom deal a few months ago and applied the $300 in points towards my balance. Both had the spending requirement but AMEX had an annual fee after the first year.
My husband just had success with that 800-795-6307 number getting the $300 cashback after $500 promotion. I also called Chase to confirm that the number was legitimate before calling the number. I know I'm a newbie but wanted to add to the knowledge =)
Offer is still valid.
I called the 800 number and applied over the phone.
I wasn't approved instantly though. This probably means I am going to get denied?
Offer is still valid.
I called the 800 number and applied over the phone.
I wasn't approved instantly though. This probably means I am going to get denied?
That was my case. I called in a day later and answered a few questions. And I was approved with $10k limit after she soft pulled the credit.
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Thanks
19 yr old - 1 wells fargo CC barely use it
19 yr old - 1 wells fargo CC barely use it
http://en.wikipedia.or
You either need to a cosigner or you have to submit proof of ability to repay.
19 yr old - 1 wells fargo CC barely use it
WATCH YOUR SPENDING! Know your credit score before you apply, those hard pulls drop you a 2-5 points. I know one peer of mine that has 14 HARD PULLS
Also...I did lie in the beginning about my income
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# I also got this Chase Freedom deal a few months ago and applied the $300 in points towards my balance. Both had the spending requirement but AMEX had an annual fee after the first year.
I called the 800 number and applied over the phone.
I wasn't approved instantly though. This probably means I am going to get denied?
I called the 800 number and applied over the phone.
I wasn't approved instantly though. This probably means I am going to get denied?
Remember: always take a screenshot of your application to make sure that you get your 300$ cashback!
Heres The Linky: https://applynowdc1.cha
as of 10:10am PST 4/3/2012 linky is DEAD!!!
Well here is the slightly lower bonus on CHASE FREEDOM $200 Cashback after $500 spending in 3months
Here is the linky: https://applynowdc2.cha
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I recently qualified for chase Amazon visa card with 900 limit.