Is the DISCOVER STUDENT CREDIT CARD good to apply for if i have no previous credit?

I applied for a Freedom credit card through Chase bank and was denied due to no previous credit. I was approved for a loan of $5,000 for a car with an interest rate of 14% but we didn’t end up getting the car.

does that approved loan show on my credit report?

using that information, is it likely that i will be approved for the Discover student credit card?

p.s. DON’T TELL ME NOT TO GET A CREDIT CARD..I AM NOT STUPID WITH MONEY.

I DON’T WANT A PRE-PAID CARD.

JUST ANSWER QUESTION ABOVE. THANKS!

0% APR (for 12months) business card offer from Bank of America
Standard APR: 10.24 - 12.24%

http://www.bestcreditcard.googlepages.com

or

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=UAAJVY&GV1=H|228|IQ00005549488

or

If you’d rather apply by phone, just call 866-438-6262
Priority code: UAAJVY
IBO reference number: 5549488
Citizen:Yes
Status:Employed (150K + 60K)

I am a student myself and I got my credit card in matter of days of applying.

Credit Card for a college junior? - Chase Freedom ?? what should i get?

I am leaning toward Chase freedom. I get an instant $50 rebate with my first purchase as well as 1% cash back.

What do you guys think??

The words "Freedom" and "credit card" should never be used together.

Why would cards make these offers, other than to hope to get you in debt and so you will be paying them interest forever when you can’t make the minimum payment.

Hmm, 1% cashback to you vs. 7.99 or perhaps up to 21.99 percent interest to them when you don’t pay it off. And late fee charges can be $30 or more.

I vote to sticking w/ cash and debit cards myself. Most people say they are going to pay it off every month, but very few do. I sure didn’t.

I just applied for a Chase Freedom credit card…?

How do I cancel my application? I’m thinking about going with another company. I just submitted it about 30 minutes ago.

Contact Chase: 1-800-432-3117 is the number for credit card customer service. All you have to do is provide your name and birth-date (possibly SSN#) and they should be able to pull up your info that way. Then, just let them know you’ve decided you didn’t want the card and they should cancel it. Remember, you are not obligated to let them know why you have changed your mind. All you have to say if they ask is, "After further review, I’ve decided this card isn’t in my best interest right now." Or something along the lines of that.

Hope this helps!

CHRIS KANAKIS on TNT “Change of Plans” Mini-Drama by Chase

http://www.chriskanakisinc.piczo.com/?cr=1
CHRIS KANAKIS in blue shirt for the Change of Plans” Mini-Drama for TNT and Chase… On Oct. 6, 2006 TNT and Chase introduced a high-impact promotional partnership that reached consumers nationwide with the premiere of Change of Plans, a TNT original mini-drama that embodies the marketing campaign of the new rewards credit card introduced by Chase, Chase Freedom; TNTs first-ever nationally exclusive sponsorship around a limited-commercial movie presentation with the film Castaway; and an extensive consumer outreach campaign that extends both brands to digital platforms.

During the special TNT presentation of Castaway nationally sponsored by Chase and presented with limited commercial breaks on Oct. 6 at 8 p.m. (ET/PT), “Change of Plans” premiered with an entertaining tale about Anne Smith, a young business woman and the choices she has to make. The engaging tale unfolds throughout four consecutive commercial breaks, with the fifth and final part airing only at TNTs online destination, TNT.tv. Following the initial premiere, the compelling content piece ran full-length as part of Chases digital marketing campaign that will infiltrate top Internet destinations.

To watch this in HIGH QUALITY put &fmt=18 after the url link!

Duration : 0:3:51

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Technorati Tags: chris, Cronkite, greece, greek, jackson, kanakis, Walter

My Ron Paul Tribute Video - *Ron Paul 2012*

Ron Paul: Mr. Speaker, the Federal Reserve is the culprit. It has delivered this crisis to us. The Federal Reserves low interest policy is a big mistake; it is not a panacea. Artificially low interest rates are achieved by inflating the money supply. Low interest rates penalize the thrifty, and those who save are cheated. It promotes consumption and borrowing over savings and investing. Manipulating interest rates is an immoral act; it is economically destructive. The policy of artificially low interest rates caused our problems and therefore cannot be the solution.

The market rate of interest is crucial information for the smooth operation of the economy. A central bank setting interest rates is price fixing and is a form of central economic planning. Price fixing is a tool of socialists and destroys production. Central bankers, politicians and bureaucrats cant know what the proper rate should be; they lack the knowledge and are deceived by their own aggrandizement. Manipulating the money supply and interest rates rejects all the principles of the free market.

Ironically, free markets and sound money generates low rates, but unlike the artificially low rates orchestrated by the Fed, this information conveyed is beneficial to investors and savers. The Congress, by conceding this authority, conveys extraordinary economic powers to the elite few. This is a power that has been abused throughout history.

Only the Federal Reserve can inflate the currency; creating new money and credit out of thin air in secrecy without oversight or supervision. Inflation facilitates deficits, needless wars and excessive welfare spending. Debasing a currency is counterfeiting; it steals value from every dollar earned or saved. It robs the people and makes them poorer; it is the enemy of the working person. Inflation is the most vicious and regressive of all forms of taxation. It transfers wealth from the middle class to the privileged rich.

The economic chaos that results from a policy of central bank inflation inevitably leads to political instability and violence; it is an ancient tool of all authoritarians. Inflating is never a benefit to freedom loving people; it destroys prosperity and feeds the fires of war. It is responsible for recessions and depressions. Its deceptive, addictive and causes delusions of grandeur with regards to wealth and knowledge.

Wealth cannot be achieved by creating money by fiat; it instead destroys wealth and it rewards the special interests. Depending on monetary fraud for national prosperity or a reversal of our downward spiral is riskier than depending on the lottery. Inflation has been used to pay for all the wars and empires, and they all end badly.

Inflationism and corporatism engenders protectionism and trade wars. It prompts scapegoating; blaming foreigners, illegal immigrants, ethnic minorities, and too often freedom itself for the predictable events and suffering that results. Besides, the whole process in unconstitutional; there is no legal authority to operate such a monetary system. So lets stop it. Let us restore a policy of prosperity, peace and liberty.

The time has come. Lets end the Fed.

And I yield back the balance of my time.

Duration : 0:5:55

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Technorati Tags: 2012, adams, alex, Barack, beck, benjamin, father, founding, franklin, freedom, george, glenn, god, jefferson, jesus, jim, john, jones, liberty, love, obama, paul, peace, peter, president, religion, rogers, ron, schiff, thomas, washington

Chase Freedom Credit Card. Does not make sense.?

I recently applied for the Chase Freedom Card, because I wanted to take advantage of the cash back option at the end of the 12 month period. I have a credit score 0f 750, and always pay bill in full just about everyday online. However, I received a letter in the mail from Chase stating that they were unable to approve me because I have not had credit open long enough becuase I am only 19 and opened my first account less than 12 months ago. However, I was on the phone with a Chase Banker today with a question about my checking account, and she said that while she was in my profile, there was an offer for me for a pre-approved Chase Freedom Card with a credit limit of $4500, and a rate of prime+3.99%. While I don’t really care about the rates, because I pay it off, I don’t understand why I have a pre-approved offer when less than one week ago I was denied from the same card. Why did this happen? It does not make sense to me.

Pre-approved offers are usually a marketing tool. For instance, Chase signs up for a service with one or all of the major credit reporting agencies. Using the service, Chase sets up parameters, thus saying, "Send me a list of anyone who meets this ‘credit score’ standard."

A pre-approved offer is then sent to everyone on the list. The Fair Credit Reporting Act says this must be a real offer of a credit card, but it allows the issuer to set additional parameters.

You’ll read something like, "This was sent to you based upon information… We will check your credit report to see if you meet all the qualifications for the card."

There is a difference between pre-approved qualifications and "real" qualifications. That’s one reason the FCRA allows people to opt-out of preapproved offers.

Do you think this is too much credit?

I have 13 credit cards.

Two of them are Chase Business Cards (MasterCard and Visa), the MC is $14,400, and the Visa is $8,000. These two cards are *not* reported to my credit report. Chase advised me they are being reported to some sort of business credit report.

I also have TWO in-store credit cards. One is a Military Star Card (DPP), that is $6,700, and a Care Credit (medical card), that limit is $5,000.

That leaves NINE personal credit cards. They are as followed:

Amazon.com (Chase) Visa Signature - $6,000
Chase Perfect Card (Visa)- $4,800.00
Chase Freedom (Visa) - $4,000.00
CitiBank Drivers Edge Mastercard - $10,100.00
State Farm Platinum Rewards (Visa) - $5,500.00
Blue from American Express - $2,000.00
Clear from American Express - $4,500.00
Texas Exes (Amex/Bank of America) - $2,000
Discover Card - $1,250.00

I have never been late on any of them and they all have ZERO balances, except for my Freedom Card. That is being paid on time. Is this hurting or helping my credit?

i would close some of them out ASAP, just because you dont need that much credit if they have zero balances. also, with that much stuff floating around, there is such an additional risk of identity theft/fraud. id get some of them (first, the CitiBank with th $10000 limit!) out of the picture!!

Chase Freedom Visa: credit requirements?

Do you have to have really good credit to be approved for this card?

YES: You must have EXCELLENT credit or they will reject you in less than two days. Go two years with out any late payments and this is if you already have good credit. Make sure you don’t have anything like bankruptcies, repos, delinquencies on your report and all of your available credit is not over 30-50%. I have a credit score of 731 which is very good but I all so have2 years of excellent credit histoy=I made all my payments on time and did’nt max out my cc’s.
Right now I have the Chase platinum but only when they offer me (and they will) a fredom Chase will I even think about appying for one.

score ranges:
* 760-850 Excellent
* 700-759 Very Good
* 660-699 Good
* 620-659 Marginal
* 580-619 Poor
* 500-579 Very Poor

http://www.creditcards.com/excellent-credit.php

Which Credit Cards Offer Free Companion Tickets?

I used to use the Free Companion ticket from Amex Platinum but they discontinued the plan. Now, I’m looking for another credit card that would offer it to me.

I have the Citi Platinum Premiere Pass elite, and supposedly they offer something thru Spirit Incentives, but I have never heard anything about them.

I also have the following cards. Amex Starwood, Discover Card, Chase Freedom.

Thanks!

I haven’t seen one of those in a long time.

best credit card to increase credit rating?

Hi,

I've heard about good habits to increase my credit rating. I'm just wondering if there is a specific credit card to have to build good credit - i.e. they frequently report to the credit agencies etc… Is Bank of America or chase freedom any good as these are the only 2 cards I have?

Thank you very much for your help.

It used to be that Capital One didn't report your full credit line amount to the credit reporting agencies. Instead they would report your balance as your available credit, so it would look like you had utilized 100% of your line of credit through them, which hurt your FICO score. However, Capital One doesn't do that any more.

So all credit cards are about equally good for building your credit; the important thing is to use them properly. My strategy is to funnel all/most of my normal spending through rewards credit cards and then pay the balance in full and on time every month. That way I build a clean credit history, avoid interest, and earn rewards.

If you're interested in knowing which rewards card will pay you the most for your normal spending profile, you can use this rewards calculator:
http://www.creditcardtuneup.com/

If you're interested in knowing the details of how your FICO score is calculated, see the June 30th posting at http://www.uthunk.com/ .