Snowman wrote:Nice job Rat! I want to apply for a Chase really bad, but I'm holding until December or maybe next year until I apply for one. Let us know how good the Amazon card is, I shop there at least 1-2 a month and I always am lured into taking their offer during checkout but, I never apply for it because I don't know how good it is.
Thanks man! The only real drawback I see with the Amazon card is that even though you can pretty much redeem them for all the same things, the rewards points on this card are not Ultimate Rewards points so you can't combine them with your other Ultimate Rewards accounts. I mean, I guess there are ways around it because you can still redeem for cash via check or statement credit, so it's more of a minor inconvenience than anything else. I do like the 2% rewards on drug stores because I've been looking for a non Cash+ card that will give me some extra points for my cigarette purchases at the Walgreens up the street from my house. Also, I'm not particularly sold on the 3% back at Amazon because honestly my goal is to never actually spend money on Amazon and fund my little hobby purchases (paints, airbrush supplies, Gundam model kits, etc.) purely with rewards points. Oh, and if it matters to anyone, when you apply you can choose between the default blue design, a black design, or a lime green design. You can also switch back and forth between each of the designs as many times you want through the Chase website. I opted for the default blue, but I'll probably order the other two just for the sake of the collection. I'll probably order a second CSP too just to keep one of them mint. Anyway, the $50 gift card upon approval with no initial spend requirements is an awesome bonus, and the gift card balance gets loaded into your account immediately while the Amazon card automatically links to your account as your default payment method for literally instant access. To ensure that these link up seamlessly, the best thing to do would probably be to apply directly through Amazon. Oh, and the other reason that I just remembered is that if you submit an app linked from Chase's site, they'll only give you a $30 gift card instead of the $50 offer you get direct from Amazon.
MemberSince99 wrote:Mega congrats to you Rat, glad to see you got the cards you were after! That's really great. Now you gotta change you siggy
Thanks a lot man! I'm glad to see you still around the boards -- I thought you were pretty much gone for good after the last time the whole credit-loathing thing reared its ugly head. What is kind of a disappointment though is that I don't think I got the World Elite Mastercard version like we were talking about earlier because there doesn't seem to be a way to apply directly from the Mastercard website anymore -- it just links you to the regular Chase credit card page. Who knows, maybe when it shows up in a couple weeks I'll be pleasantly surprised by the ultra cool silver WEMC logo on the back. And you're absolutely right -- time to update the sig!
Oh, and for the record, at the time I applied my EQ FICO was about 684, ~30% utilization reporting on two accounts, <$10 balances reporting on my Amex cards, and everything else reporting zero. I think what finally got me in the CSP club was that my SECU and Discover accounts finally reported their respective $5k and $7k limits when previously my highest limit was the Discover's $3800. That and pushing through a bunch of activity and high payments on my Freedom. Also, the loan analyst that helped me told me that their policy is to limit the number of new credit accounts that they'll open for you to up to 2 every 30 days. Figured that info could be useful to save someone an unnecessary inquiry somewhere down the road.