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@Anonymous wrote:
Just curious, wanted to ask this a few months ago but never got around to it. I applied for for a Chase Freedom MasterCard was approved and for the welcoming email i got a few days later it said Chase Platinum instead of Chase Freedom.
Not the same card. Platinum = no rewards, Freedom = rewards.
I guess Chase just made a mistake, i did receive a Chase Freedom Card and thats what i applied for but got the Chase Platinum welcome email.
Going to see about doing a product change to the Sapphire in a few months. Anybody had any luck with that?
@FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?
What are your scores & baddies?
@FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?
Platinum now Slate, but if you do not have pretty good credit I would not waste an app.
@BungalowMo wrote:
@FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?What are your scores & baddies?
My scores aren't satisfactory yet (663 TransUnion FICO, 644 Equifax FICO, and 654 Experian PLUS) but they've been improving every month. But I was thinking that at least 6 months - 1 year from now I'd apply for a Chase card since acquiring a Chase credit card is one of my main goals since I've been banking with them since 2003.. I've got my utilization under control. TransUnion has it at 4%, Equifax has it at 3% and Experian has the percentage of my Revolving Credit Available as 97%. I plan on maintaining and even lowering the utilization percentages over the course of the next few months in hopes of bettering my scores.
My baddies are a bunch of late payments on my student loan. The worst of which happened sometime between 2003 - 2005.. The most recent ones are over a year old. On the plus side, one of my student loans is about to get obliterated early next month and then I can focus on getting rid of the second loan, hopefully before the new year.
I wasted an inquiry applying for the Amazon visa (what the hell was I thinking??) and Chase sent me a denial letter stating that I had too many recent inquiries. They didn't even mention any of the baddies.Same thing with Capital One, so that gives me a little bit of hope.
@creditwherecreditisdue wrote:
@FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?Platinum now Slate, but if you do not have pretty good credit I would not waste an app.
Yeah, I plan on holding off for a while. I currently have 5 cards (MasterCards and store cards) that I'm currently building some positive credit history with and hoping to reap the FICO rewards down the line. I always got the feeling that Chase was somewhat of a tough bank to get credit with so I'd like for my credit profile to look pretty decent before going full steam ahead and applying with them.
@FicoScore626 wrote:
@BungalowMo wrote:
@FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?What are your scores & baddies?
My scores aren't satisfactory yet (663 TransUnion FICO, 644 Equifax FICO, and 654 Experian PLUS) but they've been improving every month. But I was thinking that at least 6 months - 1 year from now I'd apply for a Chase card since acquiring a Chase credit card is one of my main goals since I've been banking with them since 2003.. I've got my utilization under control. TransUnion has it at 4%, Equifax has it at 3% and Experian has the percentage of my Revolving Credit Available as 97%. I plan on maintaining and even lowering the utilization percentages over the course of the next few months in hopes of bettering my scores.
My baddies are a bunch of late payments on my student loan. The worst of which happened sometime between 2003 - 2005.. The most recent ones are over a year old. On the plus side, one of my student loans is about to get obliterated early next month and then I can focus on getting rid of the second loan, hopefully before the new year.
I wasted an inquiry applying for the Amazon visa (what the hell was I thinking??) and Chase sent me a denial letter stating that I had too many recent inquiries. They didn't even mention any of the baddies.Same thing with Capital One, so that gives me a little bit of hope.
You should recon...I have plenty of baddies (4 on EQ, 16 on TU, 4 on EX...all older than 2 years) and I was originally denied by Chase, with scores very similar to yours (I applied approx. 3 weeks ago). I called in explained everything, and basically asked for a "shot" and a low limit, and they gave me a $1500 Chase Slate...which I converted to a Chase Freedom (since it also has Blueprint along with the Rewards)