I applied for this card back in 2016 after Credit Karma said my approval odds were very good. I was approved for 1k my scores was around 620 or so. I used it generously and vigorously lol. 2017 they gave me a 1k increase. Now in January 2018 they gave me a 2k increase. I use this card a lot because of their cash back on ALL purchases and their ZERO $ annual fee is the icing on top!
I applied for this card with the intentions to utilize the 0% balance transfer for 15 months option. However, what they do not tell you in the card descriptions; "you may be approved for card without having the balance transfer option". I was approved for $6400 without a balance transfer option; when I spoke with customer service they said that balance transfers are a promotional option, which I didn’t qualify for based on my credit worthiness. This doesn’t make much sense... giving the amount of credit line I was approved for and having a 680-700 credit score. Just be aware if you are applying for this card because you would like to use the balance transfer option, there's a great possibility you will not be allowed that option, even if approved.
On the other hand, American express (no affiliation) approved me for a credit line, and the option for balance transfer is standard with approval (not promotional).
These reviews were written by current and former cardholders in the last year.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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TU 651 & EQ 652 - CK app said I had good approval odds for the Chase Freedom Unlimited and very good approval odds for CapOne Quicksilver. I applied for CapOne Quicksilver but I got the “Answer in 10 Days” response. Both scores dropped by 3 points. I was in my Chase app and I had several preapproval offers. I applied for the Chase Freedom Unlimited and was approved instantly no dings to my score. My card will be here in @ 5 days but I only plan to use it to pay a small bill to boost my score further.
What credit limit were you approved for?
And what interest rate?
$2,800 limit with 0% interest rate for 15 months.
Got approved with 608 credit score
They started me out with $6600 credit limit, which surprised me
New to credit - one year credit history, 706 TransUnion and Equifax, approved after one day of review. $2,000 line of credit. An excellent cashback card.
I just got approved for 3k!
I've been building my credit up for the past year and trying to correct my horrible spending history. I was instantly approved for 3k with a credit score of 648EX/652TRANS. I have 6-7 years of credit history, no negative remarks, and a few low CL credit cards. I'm so happy!
Terrible interest rate - non negotiable
Terrible interest rate! The company advised me to get another card to obtain a lower rate... and then I got a higher rate! They don’t disclose why I was underwritten at over 25% regardless of a 750+ credit score. The rate is also non negotiable no matter how far up the chain you go. I wish I never opened it, consumer beware :(
rewards cards always have higher interest rates.....my scores over 800 and have over 25% rate too. Doesn't effect me because never carry a balance.
Same here. Credit score is 842, CL on 3 of my cards is 30k, 35k, and 40k. I have high interest rates over 20% too, but I don't care since I don't carry balances. It's the way rewards cards roll.
Just got approved
I just applied for card, instant approval for $2400, got email from the credit karma credit score drop by 9 points. From 681 to 672.
Supposed to get card in 7 days.
I BELUEVE WHEN U APPLY FOR A CARD OR CHECK FOR IF U QUALIFY...YOUR CREDIT SCORE DROPS BECAUSE CREDITOR IS CHECKING.
believe.
I just got approved after submitting scl
I have 720+ and approved for 7K
And your score didnt drop????
Was good at the start, but got worse.
They will lower your limits for no reason.
I'm sure there is a reason. One that you won't share or even know about.
There's never a 'surprise' charge.
What you purchase is always the balance of the statement.
Basic
Wasn't sure if I would get approved with a limit high enough to get a signature card based off reviews. Apparently the average limit is $3 - $4,000. A family member has this card and didn't get signature. Applied with Trans and EQ being just under 800. Ended up getting $7,500 and got the signature card. I got it for the 15 months APR as I have two big purchases (big for me anyways). This won't be my main card though when all is said and done.
What is the signature card?