Good enough reason?

[IFtkkdx428]

Once I began building credit almost a 1.5 years ago, I told myself that I wouldn't apply for credit cards that didn't serve a significant purpose.  Though the Discover It card has crossed my mind on a few occasions from the time I made the decision to choose the Chase Freedom card, over the Discover It card back in January of 2014. The main reason I would like to apply for the Discover It card, is simply because of the monthly credit score that is offered to cardholders. I have a pre-approved offer from Discover for their Discover It card.

Is this a good enough reason to apply for this card?

Also, if the subject comes up. I do know of only two other cards which offer credit score to cardmembers. Barclay's credit card and Walmart's credit card. I do not shop at Walmart and Barclay seems to target all of their cards to those who travel which would not be benifical to me. Any other cards that offer this service that you recommend?

Helpful Information

Age: 22

Annual Income: $16,000.00

Monthly Rent/Morgage Payment: $0

Credit Karma FAKO score: 739

Credit Card Utliization Rate: 1%

Percent of Ontime Payments: 100%

AAoA: 0.92

Total Accounts: 2

Hard Credit Inquiries: 2

Drogatory Marks: 0

Current Credit Cards

Capital One

Credit Limit: $750 (I asked for a CLI via online on 7/5/14 and recived a $250 increase)

Card issued: Jan/2013

Chase Freedom

Credit Limit: $3,000

Card Issued: Jan/2014

I hope I have provided enough information. If there are details I have missed that could better help, please ask.

Thank you in advance for reading, IFtkkdx428

[Chaselover]

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@IFtkkdx428 wrote:

Once I began building credit almost a 1.5 years ago, I told myself that I wouldn't apply for credit cards that didn't serve a significant purpose.  Though the Discover It card has crossed my mind on a few occasions from the time I made the decision to choose the Chase Freedom card, over the Discover It card back in January of 2014. The main reason I would like to apply for the Discover It card, is simply because of the monthly credit score that is offered to cardholders. I have a pre-approved offer from Discover for their Discover It card.

Is this a good enough reason to apply for this card?

Also, if the subject comes up. I do know of only two other cards which offer credit score to cardmembers. Barclay's credit card and Walmart's credit card. I do not shop at Walmart and Barclay seems to target all of their cards to those who travel which would not be benifical to me. Any other cards that offer this service that you recommend?

Helpful Information

Age: 22

Annual Income: $16,000.00

Monthly Rent/Morgage Payment: $0

Credit Karma FAKO score: 739

Credit Card Utliization Rate: 1%

Percent of Ontime Payments: 100%

AAoA: 0.92

Total Accounts: 2

Hard Credit Inquiries: 2

Drogatory Marks: 0

Current Credit Cards

Capital One

Credit Limit: $750 (I asked for a CLI via online on 7/5/14 and recived a $250 increase)

Card issued: Jan/2013

Chase Freedom

Credit Limit: $3,000

Card Issued: Jan/2014

I hope I have provided enough information. If there are details I have missed that could better help, please ask.

Thank you in advance for reading, IFtkkdx428

---

You can get the monthly credit score with your capital one credit card also. 

[nachoslibres]

Barclaycard also offers their Rewards card which has a free FICO score.  I believe it offers 2% back on gas, groceries, and utilities and 1% back on every thing else.  Not a very exciting card but another option for you if you really want a card with free FICO.

[IFtkkdx428]

Chaselover, I believe you are speaking of the "Credit Tracker"? That is a FAKO score.

[awiser]

Capital One's score is not a FICO score, Discover's is. Discover is a great card to have. Their CS is excellent, their shop portal is awesome, and the FICO TU is another nice perk. I'm showing Chase most of my love right now, but both are great cards to have.

[Chaselover]

Ok cool, I am still just understanding the difference between the FICO and FAKO scores. 

[nachoslibres]

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@Chaselover wrote:

Ok cool, I am still just understanding the difference between the FICO and FAKO scores. 

---

Haha, nice screen name.  I love Chase as well - except for their horrible checking and savings interest rates.

[Chaselover]

---

@nachoslibres wrote:

---

@Chaselover wrote:

Ok cool, I am still just understanding the difference between the FICO and FAKO scores. 

---

Haha, nice screen name.  I love Chase as well - except for their horrible checking and savings interest rates.

---

I have an excellent experience with Chase, I think Chase is the best bank I have ever dealt with in my life. And the screenname came once I got approved for the Chase Freedom with a low score of 607, (god noes if its FICO or FAKO, that’s what was mentioned in the approval letter, lol)

[nachoslibres]

---

@Chaselover wrote:

---

@nachoslibres wrote:

---

@Chaselover wrote:

Ok cool, I am still just understanding the difference between the FICO and FAKO scores. 

---

Haha, nice screen name.  I love Chase as well - except for their horrible checking and savings interest rates.

---

I have an excellent experience with Chase, I think Chase is the best bank I have ever dealt with in my life. And the screenname came once I got approved for the Chase Freedom with a low score of 607, (god noes if its FICO or FAKO, that’s what was mentioned in the approval letter, lol)

---

Nice.

[s_haliz]

---

@Chaselover wrote:

---

@IFtkkdx428 wrote:

Once I began building credit almost a 1.5 years ago, I told myself that I wouldn't apply for credit cards that didn't serve a significant purpose.  Though the Discover It card has crossed my mind on a few occasions from the time I made the decision to choose the Chase Freedom card, over the Discover It card back in January of 2014. The main reason I would like to apply for the Discover It card, is simply because of the monthly credit score that is offered to cardholders. I have a pre-approved offer from Discover for their Discover It card.

Is this a good enough reason to apply for this card?

Also, if the subject comes up. I do know of only two other cards which offer credit score to cardmembers. Barclay's credit card and Walmart's credit card. I do not shop at Walmart and Barclay seems to target all of their cards to those who travel which would not be benifical to me. Any other cards that offer this service that you recommend?

Helpful Information

Age: 22

Annual Income: $16,000.00

Monthly Rent/Morgage Payment: $0

Credit Karma FAKO score: 739

Credit Card Utliization Rate: 1%

Percent of Ontime Payments: 100%

AAoA: 0.92

Total Accounts: 2

Hard Credit Inquiries: 2

Drogatory Marks: 0

Current Credit Cards

Capital One

Credit Limit: $750 (I asked for a CLI via online on 7/5/14 and recived a $250 increase)

Card issued: Jan/2013

Chase Freedom

Credit Limit: $3,000

Card Issued: Jan/2014

I hope I have provided enough information. If there are details I have missed that could better help, please ask.

Thank you in advance for reading, IFtkkdx428

---

You can get the monthly credit score with your capital one credit card also. 

---

---

@Chaselover wrote:

---

@IFtkkdx428 wrote:

Once I began building credit almost a 1.5 years ago, I told myself that I wouldn't apply for credit cards that didn't serve a significant purpose.  Though the Discover It card has crossed my mind on a few occasions from the time I made the decision to choose the Chase Freedom card, over the Discover It card back in January of 2014. The main reason I would like to apply for the Discover It card, is simply because of the monthly credit score that is offered to cardholders. I have a pre-approved offer from Discover for their Discover It card.

Is this a good enough reason to apply for this card?

Also, if the subject comes up. I do know of only two other cards which offer credit score to cardmembers. Barclay's credit card and Walmart's credit card. I do not shop at Walmart and Barclay seems to target all of their cards to those who travel which would not be benifical to me. Any other cards that offer this service that you recommend?

Helpful Information

Age: 22

Annual Income: $16,000.00

Monthly Rent/Morgage Payment: $0

Credit Karma FAKO score: 739

Credit Card Utliization Rate: 1%

Percent of Ontime Payments: 100%

AAoA: 0.92

Total Accounts: 2

Hard Credit Inquiries: 2

Drogatory Marks: 0

Current Credit Cards

Capital One

Credit Limit: $750 (I asked for a CLI via online on 7/5/14 and recived a $250 increase)

Card issued: Jan/2013

Chase Freedom

Credit Limit: $3,000

Card Issued: Jan/2014

I hope I have provided enough information. If there are details I have missed that could better help, please ask.

Thank you in advance for reading, IFtkkdx428

---

You can get the monthly credit score with your capital one credit card also. 

---

Just wanted to clarify.....You don't get FICO score from being a Capital One credit card holder. The score they offers is actually called "TransUnion New Account Model" which is 100% identical of what you get from "Credit Karma".