11-09-2012 09:21 AM
If the card is a store version, it won't negatively impact your credit score. However, it will not give you as much a boost as a credit card from a prime lender.
Store card and regular credit card are in the same category as far as FICO calculation. FICO does not weigh store card differently. It might weighs differently if you are subjected to manual review.
11-09-2012 10:32 AM
Send them a secure message online to ensure you're enrolled, the program goes away as of tomorrow i think. That's awesome! Earn some points!
Thank you for contacting Chase.
I confirm that currently your Freedom
account is not
enrolled in Exclusives 10 & 10 program.
please be informed that existing Chase Freedom
Customers with an open Chase
checking account will be
automatically upgraded to the Chase Freedom
& 10 program within approximately 1-3 statement
Once your account is upgraded to Freedom exclusives you
earn extra bonus on all spending that includes 1
point for every $10 of net
purchases and an additional 10
points for each individual net
For example, if you made a $200 purchase anywhere, you
would earn 200 points + 20 points + 10 points = 230
you have any further questions, please reply using the
Account is owned by Chase Bank USA, N.A.
and may be
serviced by its affiliates.
Does this interpret to you that I am NOT right now, but will be after a few cycles?!
11-09-2012 12:27 PM
Yep, that's the same message others have gotten. Congrats!
|Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)|
Starting total revolving credit: $1100 | Current total revolving credit: $7000
Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013
|AMEX Gold NPSL|
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO