Ryans2kidz

4 Contributions 151 People Helped

Member Since: July 2012

Most Helpful Contribution

Chase Freedom Unlimited®

Nov 11, 2017
Helpful to 121 out of 128 people

Credit Karma had my odds listed as Fair. I applied for this and an American Express minutes apart. I was approved for the American Express but received a notification from Chase that I would hear back from them within 30 days or less via postal mail. I took that as being denied.

The following Monday I decided to call Chase. I was asked if I had an account with them -- which I do. Then, for verification purposes, I was asked what the amount of my last deposit was. Within a couple of minutes the person said that I would receive my "packet" within a week or two. I asked if I was approved and was told that I had been with a $4500 limit. None of my credit scores were above a 700 even though I had a Capital One card with excellent payment history. If you spend $500 within 90 days of receiving the card it offers a $150 bonus. As soon as I had spent that amount the $150 was posted as a credit that I could use for anything. I transferred the $150 to my checking account. I have nothing bad to say about anything so far.

Activity (4 Total Contributions)

Chase Freedom Unlimited®

Nov 11, 2017
Helpful to 121 out of 128 people

Credit Karma had my odds listed as Fair. I applied for this and an American Express minutes apart. I was approved for the American Express but received a notification from Chase that I would hear back from them within 30 days or less via postal mail. I took that as being denied.

The following Monday I decided to call Chase. I was asked if I had an account with them -- which I do. Then, for verification purposes, I was asked what the amount of my last deposit was. Within a couple of minutes the person said that I would receive my "packet" within a week or two. I asked if I was approved and was told that I had been with a $4500 limit. None of my credit scores were above a 700 even though I had a Capital One card with excellent payment history. If you spend $500 within 90 days of receiving the card it offers a $150 bonus. As soon as I had spent that amount the $150 was posted as a credit that I could use for anything. I transferred the $150 to my checking account. I have nothing bad to say about anything so far.

Southwest Rapid Rewards® Plus Credit Card

Jun 14, 2018
Great card
Helpful to 28 out of 30 people

I have a total of five Chase cards. Two have no interest for 15 months - which can be good if you ever carry a balance. This one has a very nice introductory of 40,000 airline points after spending only a thousand dollars within 3 months. It was easy to get. My credit score was only like 723 when I got this and I got a fairly generous limit. I'll be using my airline miles very soon. I don't have anything negative to say about any of the Chase cards. 

Capital One® Venture® Rewards Credit Card

May 22, 2018
Helpful to 2 out of 2 people

I sort of thought the same thing.

OneMain Financial Personal Loans

Jan 15, 2019
Title Loan Shark

If you don't mind paying an insane amount of interest this is the place to go. Be EXTREMELY careful. They'll tell you that it's an unsecured loan but more than likely you'll secure the loan with your vehicle or another form of collateral. Keep in mind what the loan will actually cost you. If you borrow $2,000 it's cost you about the same amount in interest. I declined the loan once I saw how they operate.