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New Contributor
noncontrol
Posts: 75
Registered: ‎02-01-2012
0

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
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

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)
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Senior Contributor
jsucool76
Posts: 3,598
Registered: ‎12-11-2011
0

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. 

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

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
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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?

 




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EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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New Contributor
noncontrol
Posts: 75
Registered: ‎02-01-2012
0

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

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