Hello I'm new to the forum and have a few questions.
I recently applied for a Chase bank Hyatt Visa card. This is my first Visa in over five years. I had a bad experience with my former credit union and canceled my previous card. So for the last five years I have been using American Express exclusively. Amex has been great except for the fact that some of my favorite small businesses did not take it.
So when I receive a solicitation from my favorite hotel I jumped at the chance to for a new card. During my initial application a message appeared telling me I was approved but I never revived any kind of email. The next day I called a CSR and he told me the app was under review for credit limit. I assumed that was a nice way of telling me I was denied.
Fast forward Thursday I called a "back door" phone number and was told I was approved for 8K and should received my card in two weeks.
My questions are. I know you are entitled to a free credit report when you are denied but does that apply when your application is accepted?
Also I didn’t include dividend income I receive from REITs or my brokerage account in the application. Should I have included it? It's been a while since I applied for a credit card I assume the banks are aware of all my activity considering the new reporting rules from DHS.
Lastly this is my first Visa Signature, any tips?