Should I get a second CC?

[Anonymous]

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pez478 wrote:
Thanks for all the responses - they've been very helpful. So one last question: as I'm looking into both the Chase Freedom Visa and Mastercard, I see that they first consider you for the Signature/World and if you don't qualify, they bump you down to the Freedom Platinum. Does anyone know if it's possible to apply for the Platinum right off the bat? I don't want to apply for the Signature/World and get accepted since it sounds like the Freedom Platinum is the way to go. Any thoughts?

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Call Chase and ask to apply over the phone.  Explain to the Chase representative that you'd prefer the Platinum version rather than the Signature/World card.  Do not let the rep talk you into a no preset spending limit version of this card:  Many reps are unfamiliar with credit line reporting issues. 

Good luck.  Let us know how it turns out!

[Anonymous]

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ericksond wrote:

Ouch that's like a slap, the first card I ever had after my BoA Secured Card was an AMEX Green.

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Didn't mean it as a slap.  I had an AmEx Green for 19 years before I wised up and asked them to convert it to a different product (AmEx Blue).    I don't want to even think about how much I paid in AFs for all those years ...

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Ouch that's like a slap, the first card I ever had after my BoA Secured Card was an AMEX Green.

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Didn't mean it as a slap. I had an AmEx Green for 19 years before I wised up and asked them to convert it to a different product (AmEx Blue). I don't want to even think about how much I paid in AFs for all those years ...

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LOL no offense taken.

Holy crap, you could actually do a product change from Green to Blue? Do they do an FR or hard pull on it??

[Anonymous]

Many people have been able to change products.  Depends on your credit and your history with them.  All you gotta do is ask!

They did a hard pull. 

[Anonymous]

I applied for the Chase Freedom Visa Platinum (not Signature!) over the phone last Tuesday, and the rep told me I would hear back in about 10 to 30 days. I got a bit impatient and called their automated app status line today and found out I was approved! The APR is pretty high but I always PIF so I'm not too concerned - plus, my CL is 2000. I'm hoping to get my 'welcome package' in the mail within 7-10 days. Thanks for all the advice everyone!

[Anonymous]

Nice limit

[Anonymous]

Congratulations, pez478!