Chase freedom or wait?...i want to have another option.

[Anonymous]

with cap1 the problem is they not accept puerto rico , barclay and credit one the same , the rest banks not problem. 

[Anonymous]

i figured if they accept visa or mastercard then they wouldn't worry about which bank it came from

[Anonymous]

In that case, you would be better served by going with Citibank. At last count, they had 5 branches there and I assume ATMs. You might find that going into a branch to resolve any issues is easier than having communication issues over the phone.
Not sure what the issue is with Cap1. Puerto Rico is considered a part of the US and therefore has to abide by the same US banking regulations as any other bank. Good Luck!

[takeshi74]

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@Anonymous wrote:

Actually i have never inquired my fico scores guys, i just now started getting serious about credit.

my only two inquiries have been the original BOA card 11 months ago and this discover one thjis past week. As far as i know i dont have any collections and no other debts.

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When did you last pull your reports?  It would help to have a known starting point.

[Anonymous]

I actually have never pulled my reports, does that take a hit on your scores? whats the easiest way to go about getting them?

thanks

[Anonymous]

checking your reports doesn't affect your credit it just improved your knowledge. i use the $25 service here at myfico for all three scores and the $15 experian report too.

[Anonymous]

I don't think it matters with Chase Freedom. You might as well get in with them if you're pre-qualified on their site.

There are relatively few people with sizeable Freedom credit lines anyway.