question about chase credit cards I applied for.

[Anonymous]

thanks guys

 so in my case I was approved for 10k and so 3x (triple my credit)  I would put down 30k of a credit limit increase then  in 61 days on the dot since I was approved today it countdowns from today. is this correct guys just verifying so I do it right. 

[Anonymous]

Chase recon... 1-888-270-2127

61 days from issue.... 6/9/18 so 8/9/18

Did you set up your card online already? I did when I was approved.

[Anonymous]

Yes, it is free because Amex provides the membership. Nice, right?

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@Anonymous wrote:

@Anonymous what is this shoprunner offered by AMEX says I can enroll but is it really free or do I have to sign up and have to pay the membership fee of $79 dollars a year from what I read online?? and is it worth it or no to enroll with shoprunner?

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[Anonymous]

I got a email to set it up. so yeah I can login  online the AMEX and have my account good it all 0 on it haha since I dont have my card yet. when do I have to pay the annual fee of $95 when I get the card and activate it or end of the year?

[Anonymous]

okay so here's a real decent question since I'm accepted for 10k, how does the credit utilization play into this. I heard from online and others you are suppose to stay under 30% of your max credit limit so in my case max is 10k. so how would I figure out 30% of my 10k to never go over ??

[Anonymous]

The lower the utilization, the better. Yes, they say to try and stay under 30%. But fellow myFICOers say to stay under 28.9% to allow rounding up of numbers and interest. 

This thread has some really good info. 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Utilization-brackets/m-p/5266958#M140330

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@Anonymous wrote:

okay so here's a real decent question since I'm accepted for 10k, how does the credit utilization play into this. I heard from online and others you are suppose to stay under 30% of your max credit limit so in my case max is 10k. so how would I figure out 30% of my 10k to never go over ??

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[Anonymous]

Hey guys, I have a questuon not sure if it was answered but since my AMEX blue cash preferred has an annual fee of $95 when do I pay that it hasn't asked me for it and my balance is 0 since I am waiting dor it in the mail just curious how I pay the annual fee. Or how that works.

[Anonymous]

I don't know. Amex chat can tell you.

Go to your online account. 

Click "chat" on the lower right corner.

It will pop up a chat window.

They are usually fast, no wait.

Just tell them you are newly w/Amex, when will you be billed for the AF?

Have you bought anything yet with you new card?

[Anonymous]

Thanks I never even thought about chase online chat!! and I have not bought anything with it I don't know the credit card number or anything I assume when you get it you need to activate it. It's sunday or was sunday so I'd assume they dont send anything thru US post office I would assume no later than wed. I'd receive it. I'm also calling chase for the freedom I'm kind o nervous. I know to be nice but never had to call the recon before lol 

[Anonymous]

Any word on Chase recon?