Chase comes with an annual fee of 0% and a generous amount of rewards and who wouldn’t want that? Chase offers you a wide range of credit cards that are suitable for every sector of people. It consistently provides bonuses and high rewards. It is also known best for its cashback services.
Chase Credit Cards
- Chase Freedom Unlimited – best known for its cashback
- Chase Sapphire Preferred – premium travel packs
- Chase Freedom – cashback
- Chase Slate – back transfers
Some important features of Chase
- 5% bonus cash back in rotating categories on up to 1,500 in purchases each quarter (up to $75 dollars)
- Great welcome bonus
- No annual fee
- No minimum to redeem for cash back
- Cash Back reward does not expire as long as your account is open
How to Apply for a Chase Credit Card?
To apply for a Chase credit card, you will have to follow these steps and you are good to go…
Step 1: Visit the official page of Chase. On the Chase website you are able to explore all of the banking products that they are offering, but more importantly, you will be able to choose and apply for a credit card.
Step 2: Explore the credit cards page – On the top left of the page, you will see a drop-down box called “explore products”, click over this, and then select the leftmost option, “credit cards” to explore various credit cards that are available.
Step 3: You will be further taken to the credit cards homepage, where a few options are displayed. The website allows you to view all the credit cards they have readily available, conduct a compare on the different cards based on their features and to sort them based on specific criteria and your needs.Chase offers you many different types of credit cards.If you know what features you are looking for, you can use the “credit card finder” to help narrow your selections. You can find this tool on the top left-hand side of the page.You can also browse all of the available cards by selecting, “browse all credit cards” on the left-hand side of the page to gain further more information.
After you are done browsing the different cards available, you should narrow your choices down to a few good options. If this is your first time applying for a card, you should start with a very basic one. You Can Read About Chase in Wiki
One thing to consider is how you will be using the card. If you plan to use the card for small expenses and to pay the balance in full each month then the interest rate of the card is not so important. However, if you are planning to use the card for big purchases, which will require you to pay the balance slowly over time, make sure you look at the lowest interest rate.
Step 5: Choose a suitable card for you- Be very sure to thoroughly read and understand the fine print associated with your choices of the credit card you are choosing. Not only is it important to understand what you are getting into when getting a credit card, it can also be helpful for finding the perfect card for you. Finding the right suitable credit card for yourself can be a difficult task. However, after reading about each card’s advantages and benefits, you will be able to come to a good conclusion about which one is most suitable for you so you need not worry.
Step 7: Click “Apply Now”. Once you have chosen a suitable card for you, go to the web page of that particular card and click the “Apply Now” button. This button is visible in green and is located to the right of the picture of the card.
Step 8: Follow the instructions carefully – The application will guide you through several pages that are there. You need to make sure that you fill in each box carefully, and double check to make sure you have not made any mistakes.Also, make sure all your information is correct. Transposed digits or missing information can cause Chase to deny your application.
Step 9: Complete the application – In the online application, you will be asked to provide some information about you like the place where you live and details like how much you earn, who you are employed by, your social security number etc.This information will be helpful to the bank make a decision about how likely you are to use the credit card responsibly.Leave these sections blank iff you’re not retired or have no alimony or child-support payments or do not need a card for an additional user.
Step 10: Submit the application – Generally, you will receive an email after submitting your application confirming that they received it. This email will usually contain information about how long a decision will need.
With the technology of today’s era, Chase can easily make a decision about your application in a matter of minutes. If your credit card is approved, you will mostly receive your card within a few days via mail. And, once you have received your new card you will have to go online to www.chase.com/verifycard or call on the number on the card to activate the services of it.
How to check the status of application of your Chase Credit Card?
When you apply for a Chase credit card through an online application, your approval status will be displayed within 60 seconds or less. If you have been approved or denied, the decision will be displayed right on the screen. However, sometimes the automated algorithms used to quickly analyze applicants can’t reach a decision. In such cases, your application is considered to be “pending” until it can be reviewed by hand.
Now, this pending status can be checked through checking the application status of your Credit card. There are usually two methods to check the status of the application of your Chase credit card. They are,
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Chase is provided with an automated telephone line that you can call to check the status of your recent credit card application.
To check your Chase credit card application status you can call on 888-338-2586 and enter your social security number to check your status through the automated system. This will probably be a good method to know your application status.
Unlike most of the other banks, Chase does not have a page to check your application status online, unfortunately.If your application is denied or pending, there is sadly no way to find that information online. However, if you are approved there is a way for existing Chase cardholders to see this online.
How to cancel Chase Credit Card?
Cancel by Telephone: To cancel by telephone call Chase at 1-800-432-3117. The automated system will first ask for your 16-digit credit number and then provide you with a series of automated options. However, Chase does not have a specific cancellation option hence you will have to wait for a customer service representative to receive and process your request.
Follow-up Task to do: After 30 to 60 days, review your credit report from all three major agencies to make sure the card is successfully canceled and your information is correct. You can get a free copy of your report from each agency once each year at annualcreditreport.com. If it is not correct, repeat the cancellation process again.