https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5759779#M243029 <P>A word of warning.</P><P>&nbsp;</P><P>I recently applied for a Chase Freedom Unlimited card, after being on the fence about whether it was worth an HP and my chances (currently rebuilding my FICO score).</P><P>&nbsp;</P><P>The FU has TWO possible SUBs right now:</P><UL><LI>An extra 1.5% cash back for the first year, for a total of 3% cash back</LI><LI>$200 bonus after spending $500 in the first three months</LI></UL><P>I wanted the second bonus, but didn't pay attention when I finally applied and got the 3% cash back instead.</P><P>&nbsp;</P><P>🤦</P><P>&nbsp;</P><P>The crossover point on the SUBs is $13,333 in the first year. There's no chance I'll be able to hit that (the card itself only has a $1K SL).</P><P>&nbsp;</P><P>So...</P><P>&nbsp;</P><P>Remember to always check available SUBs when you apply!</P><P>&nbsp;</P> Tue, 01 Oct 2019 02:09:08 GMT Anonymous 2019-10-01T02:09:08Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5759779#M243029 <P>A word of warning.</P><P>&nbsp;</P><P>I recently applied for a Chase Freedom Unlimited card, after being on the fence about whether it was worth an HP and my chances (currently rebuilding my FICO score).</P><P>&nbsp;</P><P>The FU has TWO possible SUBs right now:</P><UL><LI>An extra 1.5% cash back for the first year, for a total of 3% cash back</LI><LI>$200 bonus after spending $500 in the first three months</LI></UL><P>I wanted the second bonus, but didn't pay attention when I finally applied and got the 3% cash back instead.</P><P>&nbsp;</P><P>🤦</P><P>&nbsp;</P><P>The crossover point on the SUBs is $13,333 in the first year. There's no chance I'll be able to hit that (the card itself only has a $1K SL).</P><P>&nbsp;</P><P>So...</P><P>&nbsp;</P><P>Remember to always check available SUBs when you apply!</P><P>&nbsp;</P> Tue, 01 Oct 2019 02:09:08 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5759779#M243029 Anonymous 2019-10-01T02:09:08Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5759786#M243031 <P>Thank you for sharing</P><P>$13k spend is alot for me too</P> Tue, 01 Oct 2019 02:14:40 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5759786#M243031 Meanmchine 2019-10-01T02:14:40Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5760210#M243070 Bummer OP. I have the worst luck with SUBs, so I feel your pain. Tue, 01 Oct 2019 13:14:48 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-for-the-wrong-SUB/m-p/5760210#M243070 Anonymous 2019-10-01T13:14:48Z