takeshi wrote:There are various offers out there for any creditor and the creditor has no idea what other offers you've run across. It's up to you to ensure that you're getting the best offer available to you.
I will and have to apply from the official site if I decide to. Got to travel recently and have to come back next month so I have plenty of time to deal with it.
takeshi wrote:Other Chase accounts? If so, your credit isn't as good as when you applied for those. If other creditors then that's completely irrelevant as criteria vary from creditor to creditor.
I only have their checking and savings account, no loans/credits from them. BTW checked Citi pre-approval they give 22.99% interest.
My other accounts are from Citi, AMEX and Discover. Oldest is Citi 10/2012, but opened AMEX on Feb this year and Discover last month. I guess it's either too many accounts opened recently or a short history, maybe both. I don't have any negative records on credit report, always pay in full and never miss payments, and TransUnion FICO is 729 as of 5/29/2014 (a drop from 740 on 5/16, I know what I am doing).
I guess this is like criteria vary between lenders, but I really don't have a very long history nor multiple types of credits.
takeshi wrote:There are plenty of Visa Signatures out there. Don't just respond to offers. Apply for one that is useful to you.
I agree and I am not going to respond to this particular offer (I don't need to respond to a $100 offer when official site has $200). Already have Discover it and 5% category look similar, if not completely same.
If I recon for limit, hopefully they could send a Signature card.