Credit Cards

[noncontrol]

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

[Duncanrr]

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

[jsucool76]

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. 

[webhopper]

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

[LS2982]

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

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

[noncontrol]

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