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JP Morgan Select Visa approved

Established Contributor

Re: JP Morgan Select Visa approved


Jlu wrote:

^Because it is the classiest looking card on the market if you can't meet the requirements of the Centurion or Palladium.

 

This is my holy grail card. When I get it I know I'll be satified with my credit journey.


  "Also, I am 20 years old!"...
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 11 of 25
Frequent Contributor

Re: JP Morgan Select Visa approved

Sub 700 scores, thin file, no competing TL? Op what was your stated income?

Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


Take the FICO Fitness Challenge
Message 12 of 25
Super Contributor

Re: JP Morgan Select Visa approved

Great Card

 

Congrats !!

 




Message 13 of 25
Valued Contributor

Re: JP Morgan Select Visa approved


Jlu wrote:

^Because it is the classiest looking card on the market if you can't meet the requirements of the Centurion or Palladium.

 

This is my holy grail card. When I get it I know I'll be satified with my credit journey.


The Fico-holics must admit, sometimes people get cards just because they look cool. LOL


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 14 of 25
Established Contributor

Re: JP Morgan Select Visa approved

Smiley Embarassed?

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 15 of 25
Valued Contributor

Re: JP Morgan Select Visa approved

Yeah, it looks cool and only a few will notice it, but I got mine ONLY for the hidden trade benefits. Im currently floating a new mattress, tuxedos, and a wedding ring on mine. Only for a couple months though.
Message 16 of 25
Frequent Contributor

Re: JP Morgan Select Visa approved


Jlu wrote:

^Because it is the classiest looking card on the market if you can't meet the requirements of the Centurion or Palladium.

 

This is my holy grail card. When I get it I know I'll be satified with my credit journey.


I had to look up the Palladium and mannnn that is one special card. The JP Morgan is a very classy and elegant also. I like how it is simple with the cursive without all the flashy colors and irrelevant designs.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 17 of 25
New Contributor

Re: JP Morgan Select Visa approved

I don spend much money maybe 800-1000 on cards a month and I always pif so i don't really care about rewards. I like this card because it's a little flashy, has great cs, and good concierge (from what I read). Income is 60k yr.
Message 18 of 25
Valued Contributor

Re: JP Morgan Select Visa approved

The hidden TL aspect is by far the coolest thing about this card.  It doesn't report to the CRA's, so it never affects utilization or AAoA.

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 19 of 25
Valued Contributor

Re: JP Morgan Select Visa approved

Here's a quick summary I put together contrasting the JPM Select and CSP (it's been copy and pasted in a few threads now):

 

So the advantages of JPM Select over CSP are:

  • Hidden TL
  • EMV chip & signature
  • Primary rental car CDW
  • No late or over limit fees
  • 25k points bonus after $100k yearly spend

 

And the disavantages are:

  • Weaker rewards (2x airfare, hotel, and car rentals vs. 2x on ALL travel and food with CSP)
  • No 7% annual points dividend
  • No sign-up bonus (currently 40k points with CSP)
  • Plain plastic credit card
TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 20 of 25