This is my daily use card. Got it with a 640 credit score with a $6,600 limit. Only problem with the card is if I make a payment of $1,000 or more at once they flag the payment and it takes about 7 days to go on to my available balance. Easy fix is make 2x $500 payments..
card is metal!
This was one of my first cards as an adult. I had it for a good 6 years or so with a 20k limit. I used it pretty regularly for awhile but then moved to a different card and carried a zero balance on this one. One day Credit Karma tells me that one of my accounts had been closed. I figured out it was this credit card. I called Chase to see why in the world they just cancelled my card for no reason. I was told it was becasue of inactivity even with a 95 dollar annual fee. They would not reopen the account for me. They said I could reapply.. WOOHOO. thanks! This cancellation had a relatively significant effect on my score with this being one of my oldest cards, not to mention the 20k reduction in available credit. The fact that they wouldn't reopen the account which was in perfectly good standing, and the fact that they "notified" me they were closing it by sending another piece of junk mail really left a bad taste in my mouth. I'll never open another Chase card again.
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They closed my account with cause.
Not a good card to have if you use all your credit like they show boat you into. Then they close the account for no reason but still owe a huge debt. My credit will take a hit because of this card.
Why would you max out a card they never suggested that i dont blame them because your obviously a risk if you cant paythe balance in full
When did you open it and when did they close it?
Approved Quick
I have a 767 credit score and since I saw the points you get I decided to go ahead and apply. I spend $250k a year on FB ads and when I saw that all I had to spend was $4k in the first 3 months to get the $750 travel credit I jumped on it. I got approved for $16,200 out the gate.
If you love rewards this card is for YOU
I was at really good approval odds when I decided to apply. Got approved for decent amount, and started using right away. Rewards stacked up quickly since I eat out a lot. A few months later my line increased by another 4k. Nice feel and weight. Definitely a different class of card with all the perks associated with it. Worth getting.
Do you carry 0 balance when the statement hits or do you just pay your statement balance in full. Just got the card and trying to gauge on how the increase the limit
Hi ,what score do u have when applied for the card ?
Main Daily Use Card
I've had this card since 2014 - this is the card my wife and use daily (Charge $60k-$70k a year on it and PIF monthly so interest rate is no concern). The rewards are solid, and due to our use I make more off the card in rewards use than the annual fee, so it's worth it. I would NOT recomend having more than 1 card with an annual fee unless your charge rewards outweigh the fee, which is hard to do across mult fee cards.
Initial CL approved was $29k
What was your score and income when you applied for the card not trying to be nosey just trying to see if I'll get approved
Shoot your shot
HiII!
So, I tbjnk Chase should be paying me a monthly endorsement fee at this point because I am recommending this card to folx on a daily basis! I loveee this card and I'm so happy with the benefits.
Back story: I started my credit journey late 2018 by cutting up my credit cards and using the SELF lender app where I saw I huge change in my credit score. In November I had a score of 530, by April I had a 610 then in September I finally hit 700 (woot woot). This was a combination of keeping my credit utilization below 30, sometimes 20%, making my payments on time and taking advantage of credit line increases from other credit cards. When I started my journey, I knew that this was the credit card that I was going to apply for so in June, I went ahead and applied... and I got approved for $5400!!! At the time my score was no more than 650 TU and 630 ish EQU.
I was able to get the 60,000 point bonus by spending $4000 within the first month of owning this card which was so awesome (60,000 points was worth $800+ in travel or $650 in cash back, still haven't decided which I'll accept)!!! Fast forward to Dec 1st, after having this card for only 5 months, my credit line jumped to $10,400!!!! Funny enough, they didn't even notify me of this change, I saw it via credit karma but I was still very thrilled! I called Chase to assure that it was accurate and the customer service rep explained that since I spend about $400-500 per month on the card and pay off $350-400 by the next statement closing date consecutively, the bank saw no issue with increasing my balance within those few short months!!!
Back in October I got my 60,000 points but in order for me to do so I had to make a big purchase because I hadn't used the card all month so I paid off my iphone 8plus, purchased the iPhone 11 p max, and accessories which came out to be around $600, by November's statement, I had paid back $550 of these dollars back. Explaining these purchases is just to give examples of how I pay my cc bill so that you can get the idea of how I got this swift credit line increase.
I think that this card is so awesome and I always recommend my friends and family to apply because the additional $8,000 credit limit is usually untouched but nice to have ICE.
Good luck to everyone on their credit journey, thumbs up to Chase for this card.
FYI: approval odds stated "fair" when I applied so I was skeptical but went for it anyways☺️
That is so awesome I think I want to apply for this card now.
EXCELLENT!!
I received the green "Already Approved" message in the Chase App with a CL of 6500. Applied on the 14th if November, Had it rushed shipped and received it on the 18th for my birthday the day before I flew out to Jamaica. Perfect timing!
740 TU with approx 2 yrs credit history
I was a little concerned I would get declined for this card due to my length of credit history. My average history is less than 2 years (I'm 20 yrs old) and between my two main credit cards I have only a $3,900 limit. I do have a higher income than I used to ($70,000) which may have boosted my odds. I was instantly approved with a $8,400 limit. Credit Karma gave me a "very good" rating and also a "fair" rating to be accepted by Chase. I would say if you have a credit score over 700, do some research on Google and then go for it. I experimented with the credit card simulator on Credit Karma and decided to take a chance. I'm glad I did! The benefits are amazing with this card, not to mention the sign up bonus.
You’re 20 yrs old and make $70000? What profession is that? I’m assuming you haven’t completed a 4 year degree, unless you started college at 16 and applied for a job, got accepted, and started working immediately after graduating
lmao I was asking myself the exact same thing
THE LIES YOU TELL
Maybe she is a dancer they make alot !or works for family let's not be jealous,no one is the same no judgement. 🧚♀️😊
Great travel card
Easy application process, I applied for this card a little over a year ago and was instantly approved for $16,900 with a credit score of roughly 710. I like that this card allows me to redeem points for 25% extra if I book through Chase's travel website; additionally, I can also transfer points between my credit cards, so I can use my Chase Freedom card to accumulate 5% cash back on various things and transfer the points to this card to redeem some great deals on flights, etc.
I would highly recommend this credit card to redeem points for miles -- especially if you can partner it with another Chase credit card.
Approved!
26 years old. $25k income. TU 799. Approved for $7,400 CL.
First CC with Chase.
Enjoying it!
I have owned this card for 3 months now and have enjoyed stacking the points to use for traveling for our honeymoon. I racked up the 60,000 points pretty quick and today without request or notification I received a automatic credit line increase. Lastly, the website and app are very user friendly when it comes to making payments, making purchases with stores to collect 2x-5x the points and setting travel notifications without contacting customer service.
what do you have to spend to accumulate 60K points? sounds like a lot.
Spend $4,000 in 3 months to receive 60K.