pjwife27 Posted October 19, 2004 Report Share Posted October 19, 2004 I finally got approved for a prime card! I applied to Chase because they pull TU and its my best report (680 FICO)Not sure of my credit limit yet, I have to fax in my proof of address and ID because I had to use my mom's address, so after I do all that I can get my card!! Just had to share my good news, thanks guys!!UPDATED TO ADD that I got the shiny new Toys R Us Platinum with a 1500 CL. It took over a month! I had to fax in proof of residency and photo ID, the whole shebang. Its not a lot, but its a higher CL than my 500 UP and its a start! Thanks everyone, for all the great info on this board and the help! Link to comment Share on other sites More sharing options...
kbean Posted October 19, 2004 Report Share Posted October 19, 2004 congrats pj... what's the scoop with a prime card? Is that extra special? I got an invitation to join Chase with a 0% til Nov 05... but it ended up being 18.99% with only 300 limit.Pretty bogus since I have a CU card at 5,000 and 9% interest (of course it isn't reporting...)is it a chase platinum visa like a weird black card? Link to comment Share on other sites More sharing options...
pjwife27 Posted October 19, 2004 Author Report Share Posted October 19, 2004 Well, being that I only have household cards and a first premier, Chase is PRIME for me. Even if its a 300 limit-I'll take it. Its a stepping stone and I'm not picky. Link to comment Share on other sites More sharing options...
nativechild48 Posted October 20, 2004 Report Share Posted October 20, 2004 Good for you with your first Prime; Chase is a start but do not get in too deep for they love to rate jack!! Try going for another Prime like BofA, they offer very good terms and rates, and no charges for BT! Good Luck!! Link to comment Share on other sites More sharing options...
kbean Posted October 20, 2004 Report Share Posted October 20, 2004 pj same here... I had a first premier for 2 years (not one late!!!)I had the orchard bank for 6 months, until I got the card from my Credit Bureau... I bought a car from them so they gave me a card.but what is the deal with "prime" why is it better? I mean to me the rate of the orchard bank card and my chase card are the same I think. Link to comment Share on other sites More sharing options...
morrow Posted October 20, 2004 Report Share Posted October 20, 2004 Yeah for PJ!! Way to go girl! Link to comment Share on other sites More sharing options...
pjwife27 Posted October 20, 2004 Author Report Share Posted October 20, 2004 Ah, now I get what you mean Kbean.I guess MY definition of prime is a lender who would not issue me a card in the past. I got all my crap cleaned up and now they'll issue me one. I also have hopes of a card with a credit limit over 500, LOL. 500 is my highest CL right now, besides my military star which is 2,000.I keep hearing Household Bank is a subprime lender, so to me, being able to get Chase means I was able to fling myself out of subprime hell, for now. Does that all make sense? Native- I would LOVE to have a BofA and I've read up on all the horror stories with Chase, so I'll keep close tabs on everything for sure. Link to comment Share on other sites More sharing options...
edubb007 Posted October 20, 2004 Report Share Posted October 20, 2004 Hey PJ... I applied as well and my TU is the same as you!I DID get approved with a TU pull for CitiBank Platinum select 5K CL. Try it at:https://www.accountonline.com/ACQ/Apply?app=UNSOL&sc=4T3Z52T4&m=NCDF000000W&langId=EN&siteID=CB&B=MI am very happy as well to finally get a prime card! It's prime to me if it is good credit card! I applied for CHASE and am waiting to compare more. Congrats 2 U for your new card!EDUBB007 Link to comment Share on other sites More sharing options...
pjwife27 Posted October 20, 2004 Author Report Share Posted October 20, 2004 Thanks edubb! I'll have a look at that link. I'm just wondering what the CL will be. Like I said above, I don't care the amount, but it would be nice if it was above 500.Good luck on Chase! Link to comment Share on other sites More sharing options...
credithelp Posted October 20, 2004 Report Share Posted October 20, 2004 Prime cards are nice since they usually treat the customers better(there are exceptions though), the rates are better, and they eventually give you high credit limits if you do well. Link to comment Share on other sites More sharing options...
kbean Posted October 20, 2004 Report Share Posted October 20, 2004 thanks credit help...hi edub!PJ: good luck just the same. I thought I had arrived when I received the 0% invitation... but I found out why I didn't get it... a new Collection Account popped up on my TU report recently... damnis your card silver and black/transulcent? Link to comment Share on other sites More sharing options...
pjwife27 Posted October 20, 2004 Author Report Share Posted October 20, 2004 Tu is clean, except for a couple of two year old lates, so I was lucky there.I actually applied for the Toys R Us card, I think its white with some designs on it. I wanted the perfect card, but decided to try this one first. Link to comment Share on other sites More sharing options...
credithelp Posted October 21, 2004 Report Share Posted October 21, 2004 http://www.cardreport.com/overview/primevsub.html Link to comment Share on other sites More sharing options...
edubb007 Posted October 25, 2004 Report Share Posted October 25, 2004 Hey... Got turned down for the Chase card! The anylist said I had a delinquency from 12/03! I DON'T have one! That stinks! So I PFB a bad letter for reconsideration but I will not worry if I don't get it! Link to comment Share on other sites More sharing options...
pjwife27 Posted October 25, 2004 Author Report Share Posted October 25, 2004 That sucks! yeah definately try PFB. I'm still waiting to see what my CL is. Link to comment Share on other sites More sharing options...
pjwife27 Posted November 5, 2004 Author Report Share Posted November 5, 2004 bumping for new info above on first post **** Link to comment Share on other sites More sharing options...
Recommended Posts