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Topic	just paid $22.40 for 2 business class tickets to South Korea.
Muffinz0rz 10/11/17 10:28:12 AM #33:	_BlueMonk posted... Muffinz0rz posted... _BlueMonk posted... -snip- This is elite information I filled out the Chase thing. Got prequalified offers for Chase Freedom, Freedom Unlimited, Slate, and Sapphire Preferred. It sounds like Sapphire Preferred is a higher tier one. There was a flat number APR for Freedom and Freedom Unlimited (21.74%). Which of those two do you think is better? Looks like Freedom has the 5% bonus in certain categories each quarter, whereas Freedom Unlimited has 1.5% on everything. The Sapphire Preferred looks sweet, but there's no way I spend $4k in three months to get that 50k points bonus. I'm only 24, not exactly breaking the bank yet lmao if you can't get the sign up bonus, then don't get the card. you can always get this later (granted you stay under 5/24, and don't get a Reserve) it's up to you, of course. the spending categories can be great, but really only if you hit the upper limits of the 1500 that they limit you to. like, if you don't spend a lot of money at walmart (its current category), then i wouldn't do it. we don't know the future categories, but you can view this past year's categories: https://creditcards.chase.com/freedom/calendarreminder they tend to repeat so yeah. if you don't think you'll hit the 5% categories a lot, then go for the freedom unlimited. or... what i would do.... it get both. you can get 2 chase cards in a 30 day period. also, if you apply for a card, and then another in the same day, they will combine the hard pull (so you'll only see one hard pull from chase on your report). what you do is apply for one card, and once that's approved (sometimes you need to call in, called reconning.) you apply for the other one. but since your credit is new (i think), it might be hard to do. heads up, since this is your first card with chase, it might go into pending and then they'll call you to verify your identity. chase didn't do this for me, but American Express did. Thanks for the examples, that's always the thing I've wondered. Freedom Unlimited probably makes more sense. I don't want a credit card to really impact my spending habits, so like say the quarter bonus was for restaurants, I'd probably end up spending way more on eating out than I normally do. --- Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) FantaCE Football Squad (3-2): https://i.imgur.com/FgBERjy.png (Updated Weekly) <cite>Muffinz0rz posted [p:888225538] in just paid ... [t:75864607]...</cite> <quote><cite>_BlueMonk posted...</cite> <quote><cite>Muffinz0rz posted...</cite> <quote><cite>_BlueMonk posted...</cite> <quote>-snip-</quote> This is elite information I filled out the Chase thing. Got prequalified offers for Chase Freedom, Freedom Unlimited, Slate, and Sapphire Preferred. It sounds like Sapphire Preferred is a higher tier one. There was a flat number APR for Freedom and Freedom Unlimited (21.74%). Which of those two do you think is better? Looks like Freedom has the 5% bonus in certain categories each quarter, whereas Freedom Unlimited has 1.5% on everything. The Sapphire Preferred looks sweet, but there's no way I spend $4k in three months to get that 50k points bonus. I'm only 24, not exactly breaking the bank yet lmao</quote> if you can't get the sign up bonus, then don't get the card. you can always get this later (granted you stay under 5/24, and don't get a Reserve) it's up to you, of course. the spending categories can be great, but really only if you hit the upper limits of the 1500 that they limit you to. like, if you don't spend a lot of money at walmart (its current category), then i wouldn't do it. we don't know the future categories, but you can view this past year's categories: https://creditcards.chase.com/freedom/calendarreminder they tend to repeat so yeah. if you don't think you'll hit the 5% categories a lot, then go for the freedom unlimited. or... what i would do.... it get both. you can get 2 chase cards in a 30 day period. also, if you apply for a card, and then another in the same day, they will combine the hard pull (so you'll only see one hard pull from chase on your report). what you do is apply for one card, and once that's approved (sometimes you need to call in, called reconning.) you apply for the other one. but since your credit is new (i think), it might be hard to do. heads up, since this is your first card with chase, it might go into pending and then they'll call you to verify your identity. chase didn't do this for me, but American Express did.</quote> Thanks for the examples, that's always the thing I've wondered. Freedom Unlimited probably makes more sense. I don't want a credit card to really impact my spending habits, so like say the quarter bonus was for restaurants, I'd probably end up spending way more on eating out than I normally do. --- Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) FantaCE Football Squad (3-2): https://i.imgur.com/FgBERjy.png (Updated Weekly)</quote> ... Copied to Clipboard!
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