Perfection in a card!
I started fixing my destroyed credit and got the Capital One secured card first. Once I had that card for a year I got my credit up to around 600. I kept usage below 30% and applied for this card and was approved with a $2500 limit. I use it for everything but I don't leave a balance, I have it on autopay but I also login every few days and pay it off so that I don't risk having my usage above 30% at any reporting time. I have received the introductory $150 for spending more than $500 within the first 3months and have been getting around $50 in cashback rewards each month, spending money paying bills and shopping for things that I would normally be shopping for. I have had no issues with this card so far and would highly recommend it if credit karma recommends it. They haven't steered me wrong yet.
great card
After reading more than 400 reviews here and looking for multiple choices , i finally got the courage to aply , my scores are on the rise , on time payments, no derrogative marks or collection , nothing, pure clean score with only a cap 1 platinum card of 500 $ with 3 % of Credit U , scores were 736 Tu and 698 Equifax , i was about to finish when i noticed something wrong in the address , i went back but couldn't edit it , so i close the page , then aplied again from the pre cualification page and i got the famous msg of " under Review " aplication , i called the next day , gave my complete name , social Sec number and to respond a text msg , 30 secs later i was aproved with a solid 4, 500 credit limit , i literaly was completely shocked ... i will make sure i will use it wisely ,but i will defintely make the 500 or more purchase to get the 150 sign up bonus cashback :) but i know there's always a catch, when i check on the phone my aplication again the other day to show my wife, the msg said that was 25 % apr interest, why i don't have the 0 % interest offer for the 1st 15 months ? also , how exactly the 150 cashback how is going to be redeemed? is it instantly i make a purchase over 500 ? very satisfied with the very good" odds of credit karma , if not i would' ve never aply to this credit card .....
You'll see the 15,000 points ($150) on the statement right after you hit the $500 in spend. So if your statement close is the 20th of the month, for example, and you hit the minimum spend on the 15th, you should see the $150 around the 24th or so when Chase produces the paperless docs.
LOVE IT!!!!!!!
So I went in person to apply for this card. Was out about 10 minutes later. Very easy process. I had no credit history and no debt when I started. I got a 700 credit limit when I started. Six months later it increased to 1200. Then 3 months later it increased to 2400! I was shocked. I did pay my balance on time, even shaved some off during the pay period so my statement balance would hopefully be under 30%. I'm guessing it worked because in the 10 months I had it, my limit was increased more than 3 times the original amount.
I had NEVER had an issue with my card. The rewards are easy to use. I've used the chase website before to buy something and get more cash back. Got the bonus 3 months later, was redeemed with no issues. I have a checking, savings and CC all in one app. SO easy to pay your card.... just click the Pay Now button in the app, click statement balance from your checking, BOOM!
The 1.5% is low... but its 1.5% on every conceivable thing you buy. Paperless is also the way to go... just see everything on your phone or computer. Definitely a great beginner card. Because of this card and building my credit with it, I was able to be approved for an AMEX BCE card 10 months later after my Chase unlimited, and my BCE is 5k! Just insane. Building credit is fun! Just manage your money haha. I don't even make a lot, I make 20k.
Magical!
This is the best card ever! Use it right, and you will be fine.
Great card! awesome perks!
I took a gamble on this card with a score of 660. this is my first time applying at Chase they gave me a $2,000 limit with a score at 660. mind you, i have ZERO missed/late payments on ANY loan EVER. I'm sure that helped my case. I love the rewards. Easy application process able to complete on my mobile phone. I have had no trouble so far so cannot comment on customer service
Great approval odds
I wanted to get another no annual fee card with rewards since I am moving and wanted the rewards to help with getting some home items. I was approved with 688 and 696. Getting my credit up! was approved with 2500 while making 31k annual. Application took minutes.
I applied for this card afyer being denied by discover a few weeks ago so i was nervous. They pulled experian my fico 8 is a 650. 56k income. A few chargeoffs and closed collections. I was approved for 3500 after a few seconds. My tu is 752 and eq 748 on CK.
Will update later.
Easy to use, build credit, save money
If you keep payments on time this card will help you build credit & save money. My first card, no complaints toward chase. Love it. Credit limit was 2500 to start (with 680 credit score) now im at 3500 & 712 five months later.
Did you have to request an increase, or did they just automatically give it to you?
It's a great & simple rewards card
Great rewards system, very simple too! The intro offers are also amazing. I use this card for literally every purchase, those points add up! And I love the ease of being able to pay my credit card directly from my checking account through my Chase App
Yep, my experience with Chase is pretty similar. All their cards are top of the line, IMO. The Freedom beats the stuffing out of Discover It, Freedom Unlimited squashes the Quicksilver and Sapphire Preferred is king of the $99 (annual fee) and under travel cards. The app makes keeping up with things super easy, and if you ever have questions, all ya gotta do is send Chase a secured message and they will help.
Got Approved for 7000 dollars credit line. Will use as an everyday card.
got no issues so far.
Credit score?
718, equifax and trans.. got 750 on Experian
Are those credit scores on CK or are they FICO?
Awesome Everyday Card!
College student with trans/eq scores of 753, and fico of 762. Applied earlier today and got accepted for 6000! More than happy!