I'm 24, graduated from college 2 years ago and had never had a credit card until about a month ago.
Before I got my current card, an American Express Blue, which I LOVE, I applied for a Discover Card, got denied, applied for a CitiBank MasterCard, got denied, applied for a Capital One MasterCard, got denied and had even previously applied for a retail clothing store card and got denied
I was denied for all of these under the reasoning that I just didn't have enough credit history, which is totally understandable, so I was very surprised when about a month ago I tried for an American Express Blue Card, and was instantly approved online.
Last evening I made the impulse decision to apply for a Chase Freedom Visa because I hastily thought that I NEEDED to have a card that was a Visa or MasterCard for when I'm at an establishment that doesn't take American Express. It's only happened to me once so far, and that was at a pharmacy, so it wasn't a grocery store or department store that I frequent more often, but I, perhaps foolishly, decided that I should look into getting a Visa or MC so I can have a backup when AmEx isn't accepted.
I thought I had researched Chase enough to be assured that the Freedom card is a good card, but now after looking through forums and blogs, I've seen people post horror stories (terrible customer service, charging a rewards fee after 1 year of membership, changing rewards terms, etc) about Chase and I'm scared that if I do somehow get approved, that because of the awful things I've heard about Chase, I'll want to immediately close the account without even using the card.
So, my questions are:
Is it even likely that I'll get approved for the Chase Freedom Visa with ZERO credit history? (I haven't even paid my first AmEx bill yet...)
If I do get approved, is it as bad as I've heard? Should I save the headaches and cancel the card?
Any advice anyone can offer would be greatly appreciated!