- Green Member
- Posts: 6
- Joined: Sat Feb 11, 2012 10:59 pm
- Location: Chicago
Well, I got approved today for a Chase Freedom card, so that is exciting. I was a little concerned because the computer said approval pending. I called and the CSR said I had to speak with the "Verification Department." I was transfered to them and they verified my identity. I moved a few months ago and it set up a flag. He told me the limit would be revealed in the welcome package and card when it arrives. I am excited!
I tried calling Amex do see if they would approve me for a green card. I made the mistake of calling the number of the rejection screen. I was transfered to India and spoke to a lady who seemed to have no decision making powers at all. She basically read the rejection letter word for word off of the screen and that was it. She had stock answers to all mt questions... "You are welcome to apply again in the future."
So know I have a Capital One Journey card with a $500 limit about 3 months old and the new Chase Freedom card that is coming in the mail.
The Capital One Journey card is a student card, but it gives you access to a free site that shows you your credit score and breaks down every catagory that affects your credit and gives you a letter grade for each category and advice on how to improve each category in your credit.
I wanted the Amex because it is a charge card, and my credit counselor site said having a mix of credit, charge, and loans helps improve your credit. I have an "A" in every category except "number of accounts" I have an F. So the new card will help with that, and the added credit line will improve my score, too!
Now I don't care as much about the Amex. I might try calling again on one of the backdoor numbers listed on this site just for the heck of it, otherwise I can just wait maybe 6 months and try again. I want the "Member since 2012." So I don't know, what do you think, should I call?
I want a great credit score by the time I have to take out student loans in a year / year and a half.
Thanks for all of your advice, plus I reccomend the Capital One Journey card for people starting out. It is supposed to be a student card, but they never verified anything about my school. It has a huge interest rate, but that doesn't matter because I keep utilization around 15% and pay the entire balance every month. It is a reward card, too! The free credit counseling site is awesome as well. It is a lot like the CreditKarma site, but much more informative and custom tailored for my finances.