Credit Card Center Advertiser Disclosure†
04-02-2014 10:16 PM
B335is, I fly monthly for work domestically so little to no international at this time. I would like the perk of a couple passes to lounges that goes with it. I may be changing jobs so that will also come with international travel which is also making me want this too.
I'm waiting as I know fixing my reports is the priority now. Until then I will be also booking some AA travel with my Citi card but I have no status over there.
BTW I get email offers from United daily about signing up for the Chase card, but they are coming from United not Chase. Not sure which is the best to apply for?
I was also flying United frequently for work, but after my classification changed I now do zero work related travel. The passes were a nice bonus, but only 2 per year and I found some of the Clubs outdated and frankly, packed to the gills (I know they have a Club renovation project going though). Have you looked at the United Club card? It has a heftier AF, but you earn 50% mileage bonus, if you have Premier status complimentary upgrades on award travel and unrestricted access to the Lounges.
Is the United Club the $495 annual? I would really like that the perks that come with it. Today I have decent status but never get upgraded these days since I think have the flight is full of these card carriers. I'm ususally number 15 on the board.
Once I get a few removals on my files I will go for one or the other. Any others with real life feedback on the two cards would be much appreciated.
It's $395 AF for UA Mileage Plus. It's also a heavy card, just like CSP. If you travel heavily w/ UA, the unrestricted lounge access + 2bags checked free is pretty good.
04-02-2014 11:19 PM
04-03-2014 05:03 AM
Finally someone with an +800 avg score nets it out. Thanks!
04-03-2014 05:20 AM
04-03-2014 05:39 AM - edited 04-03-2014 05:43 AM
I keep getting these offers every other week and really want to pull the trigger... Yude and others... talk me off the ledge and tell me my CL and offer will be better once I clear my med collections and deal with my 7 yo judgement.
As always, use your credit to determine when to apply versus simply responding to marketing materials. Offer will definitely be better (and more likely to be approved ) as your credit improves. If one has derogs then they should always be addressed first. Get your utilization optimized and the changes reported when you're ready to apply.
BTW I get email offers from United daily about signing up for the Chase card, but they are coming from United not Chase. Not sure which is the best to apply for?You'd apply with Chase either way. Best would be whatever the best sign up offer is when you apply.
I can understand having the itch as I had it myself with a BK on my reports and at the time a BK reporting was pretty much an instant denial with Chase. All this credit stuff takes time and if you're just months away from cleaning things up then you're really not that far away.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.