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After much annoyance with verification, I called the automated number and it told me that I was approved!
Woohoo! Its my second card. Just way too happy.
Total Credit Limit: $6,000
APR: 19.99%
Out of curiosity, how do I get my Ex score from them? Does it come in the mail with the card, or do I have to call for it?
Also, think I should call and ask for a higher limit?
APR is atrocious though =\
Now my wallet (will) contain(s):
HSBC Premier WorldMC: 5,000
Chase Freedom: 6,000
__
Another quick question, should I apply for Amex Blue Cash? I sort of want it beacuse of the 3% cash back on groceries, but I don't know if i should bother, I haven't gotten my foot in the door yet with Amex. Perhaps I should go Zync first?
For the approved folks, you may or may not get your score. They are only required to provide score if you are denied credit.
Do'h.
@Guava wrote:For the approved folks, you may or may not get your score. They are only required to provide score if you are denied credit.
There is another requirement that a score be provided. New credit score disclosures began July 21st, 2011. Regulations require lenders to provide a credit score and related information when they deny a consumer's request for credit or provide credit with less favorable credit terms than other consumers with better credit histories.To read more about this subject go to ScoreInfo.
chase will have it on the info they mail you
APR's for rewards cards typically suck, an offset of having the rewards. My Amex BCP rate is crazy as is my Freedom rate. Just PIF and not worry about. Look into some CU cards that offer no rewards but low interest rates for those suprise car repairs and such that you need to carry a balance on.
Your score will probably come in the mail separately from your card.
You could probably call them after you get the card to try for a higher CL / lower APR. The worst they can do is say no. Just make sure they don't do another HP.
As far as the blue cash, you have the score, but I have heard they want you to have at least 2 cards on your report with 2 yrs AAoA.
@PetRaccoon wrote:After much annoyance with verification, I called the automated number and it told me that I was approved!
Woohoo! Its my second card. Just way too happy.
Total Credit Limit: $6,000
APR: 19.99%
Out of curiosity, how do I get my Ex score from them? Does it come in the mail with the card, or do I have to call for it?
Also, think I should call and ask for a higher limit?
APR is atrocious though =\
Now my wallet (will) contain(s):
HSBC Premier WorldMC: 5,000
Chase Freedom: 6,000
__
Another quick question, should I apply for Amex Blue Cash? I sort of want it beacuse of the 3% cash back on groceries, but I don't know if i should bother, I haven't gotten my foot in the door yet with Amex. Perhaps I should go Zync first?
Congrats on the Freedom, great CL !
Your EX is prob close to your other scores i.e.above 700