topic Re: No Credit Score? in Credit Cards

No Credit Score?

jakemod1 — Fri, 08 Mar 2013 06:03:10 GMT

I applied for both the Chase Freedom and the Amex BCE last Thursday (2/28) and got approved instantly. I received my Freedom card yesterday and my BCE card today. However, there were no credit score provided from neither Chase nor Amex. I know when I got my Discover, they sent me my TU Fico score along with my card. Is it normal for them (Chase or Amex) not to provide your credit score when they approve you? Can you find out by calling them? Amex pulled EX and Chase pulled TU and EX. I was really excited to find out what my EX score was...happiness quickly turned into disappointment when I couldn't find my credit score. I literally looked through every paperwork they sent me!

Re: No Credit Score?

myjourney — Fri, 08 Mar 2013 06:04:47 GMT

It means you have the best terms available and congrats

Re: No Credit Score?

Jamisonke — Fri, 08 Mar 2013 06:05:27 GMT

Chase doesn't provide a credit score if you qualified for the best available rate.

Re: No Credit Score?

09Lexie — Fri, 08 Mar 2013 06:05:32 GMT

You probably got the best rate. They do not have to provide a score if that is the case.

Re: No Credit Score?

jakemod1 — Fri, 08 Mar 2013 06:10:14 GMT

@Jamisonke wrote:
Chase doesn't provide a credit score if you qualified for the best available rate.

I don't think I qualified for Chase's best rate...I got their 0% for 15 months, but an 18.99% APR after the promo. I believe the lowest is 12.99% right?

Re: No Credit Score?

SnackTrader — Fri, 08 Mar 2013 13:50:17 GMT

Did you apply using a pre-approval for those terms? Or a special offer for those terms?

Re: No Credit Score?

Anonymous — Fri, 08 Mar 2013 13:54:42 GMT

if you call they'll gladly tell you. I did it once before

Re: No Credit Score?

jakemod1 — Fri, 08 Mar 2013 18:21:01 GMT

@SnackTrader wrote:
Did you apply using a pre-approval for those terms? Or a special offer for those terms?

I applied using a pre-approval for those terms using Chase's pre-qualified tool online. OTOH, I applied for Amex through creditcardsdotcom and got their best terms of 0% until June 2014 and 12.99% afterwards.

Re: No Credit Score?

jakemod1 — Fri, 08 Mar 2013 18:22:26 GMT

@Anonymous wrote:
if you call they'll gladly tell you. I did it once before

Ok, thank you. I will do that today. BTW, did you call Chase or Amex? Or both?

Re: No Credit Score?

jakemod1 — Fri, 08 Mar 2013 21:45:27 GMT

For anyone interested, I called the AMEX app status line and followed the option to speak to a CSR. They told me my EX score once they verified my info. OTOH, Chase said they do not give out credit scores. I called the Chase credit analyst backdoor number located in the sticky.