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new cards

New Contributor

new cards

Just closed on my home last week credit scores were all around 700s income is 35000 plus a year. Have two cards now one with 800 paid off and the other is 1300 with only 20 left to pay on. I would like to get a chase freedom since I've read so much good stuff on and I also received a wallmart card offer in the mail and a mydiscover can anyone give me information is it better off to apply on the phone or online or in person.thanks for any help
Message 1 of 6
5 REPLIES
Valued Contributor

Re: new cards

I've not read any threads that there really is a difference. I applied online for mine and didn't have any issues.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 2 of 6
Super Contributor

Re: new cards

Walmart I would apply in store, since your identity can be verified right then and there if there is any issues, and also if you spend $100+ you get $20 off. For me it is easier to spend $100 in the store than it is on walmart.com so that is 1 plus. 

 

The other two I wouldn't think there is a big difference. Same thing if you apply in branch for chase freedom, they can verify your identity, but unless you have a large deposit account with them the banker won't really be able to help you with anything. 

Message 3 of 6
Moderator Emeritus

Re: new cards

Apply in a branch for chase freedom. Apply on the phone for discover.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 4 of 6
Mega Contributor

Re: new cards


webhopper wrote:
Apply in a branch for chase freedom. Apply on the phone for discover.

Whats the difference applying in branch or on the phone with Chase?

 




EQ FICO 548 3/3/16
Message 5 of 6
Highlighted
New Contributor

Re: new cards

Thanks webhopper went to chase bank got the approval for freedom with 3000 limit didnt take long at all. I'm going to call discover here in a Little
Message 6 of 6