I thought I'd try and apply for the Chase Perfect card as I have my current mortgage and a Chase Platinum card with Chase. Thought I'd be denied cause I have SO much credit that I don't use on my reports....I always get denied cause of too much credit.... But I guess since I have perfect history with them and no late or derogs on my reports they approved me for a 4k limit. I don't know what the interest rate is yet (should get my card in 7-10 days) but I don't care as I don't carry balances on my CC's. I just want it for the rebates. I'll use it and pay it off each month. Plus I get 0% balance transfer for 9 months and I do have a 600 balance I want to move from Paypal Visa to them and close that one out. I don't like providian so now I can get rid of it!!! I applied online on Saturday and this morning got the link to say I've been approved! I don't know what CR they pulled but my TU is the best one and I believe that is who they use in FL.
Congratulations!! Be careful, if you transfer the $600 don't charge anything until the BT is paid off. Most banks apply payments to the low interest rate first, so they'll pay off the BT and leave the purchases to collect interest if you can't pay the whole thing (BT plus purchases) in full. After you get the $600 paid off, have fun!!
I "HAD" PERFECT HISTORY WITH CHASE FOR 3 YEARS...I GOT "JACKED" They pulled a 30 DAY LATE OUT OF THE AIR AND PUT IT ON A CLOSED ACCOUNT...(NEVER WAS 30 LATE...I HAVE PROOF)...they said SORRY---OUR MISTAKE!!! The FAKE 30 DAY LATE caused me to close the account I had...it cost me a no PP "HARD"...it cost me a new second account...AND IT COST THEM ALL MY BUSINESS FOREVER!!! WIFE'S CARD IS ON THE "FAST TRACK" FOR PAY-OFF CONGRATULATION...but be cautious...
I've had my mortgage for years with Chase and my Chase Platinum for about 5 yrs now. I've only had great experiences with Chase since I've started using their services. Let's just hope it continues. I just got it for the rebate perks. I don't plan on using it til I pay off the 600 I transfer. Then I will use it to get some rebates and pay it off each month. It's just much better then my lousy Discover card at 1/4% rebate!
Anything is better than Discover. If you ever carry a balance, since they do two-cycle billing, they'll eat up your rebate in a hurry. When I mention cards I don't like, I don't usually even think about Discover. It's probably been 20 years since I canceled them. They're right up in that time frame with AMEX.
Re: Re: I GOT the PERFECT CARD YIPPEE You use DISCOVERCARD for one thing only!!! "IF" you have a BT...don't charge on it!!! "IF" you use it for a "PURCHASE" card...don't do a BT!!! AND PAY FOR YOUR PURCHASES IN FULL ALWAYS!!!
