A Chase credit card gives you the freedom to deal with financial emergencies while being backed by a globally recognised bank. Chase provides a diverse range of credit card options, allowing you to choose the card that best meets your financial needs. Chase credit cards are accepted at major retailers all over the world, and they also allow you to make online purchases and make travel reservations.
Part 1 Choosing a Credit Card
1. Go to the Chase website. You can explore all of the banking products offered by Chase on their website, but more importantly, you can choose and apply for a credit card.
2. Locate the credit cards page. Hold your mouse over the “explore products” drop-down box at the top left of the page, and then select the leftmost option, “credit cards.”
3. Examine the various options available. You will be directed to the credit card’s homepage, where you will see a few options. The website allows you to view all of their credit cards, compare them based on their features, and sort them based on specific criteria.
Chase provides a wide range of credit cards. Cards with no annual fee, credit cards for business owners, cards with various rewards (cash back, hotel or airline points, etc.), cards with no foreign transaction fees, which can be useful if you travel internationally, and several other types are available.
If you know what features you want, you can use the “credit card finder” to narrow down your options. This tool can be found on the top left hand side of the page.
You can also browse all available credit cards by selecting “browse all credit cards” on the left side of the page.
4. Narrow down your search. After you’ve looked through all of the available cards, you should be able to narrow down your options to a few good options.
If this is your first time applying for a card, you should begin with the most basic. Cards with no annual fees, for example, such as the Chase Freedom card, are a good option, but they typically come with few frills.
One thing to think about is how you intend to use the card. If you intend to use the card for small purchases and pay off the balance in full each month, the interest rate is unimportant. However, if you intend to use the card for a large purchase that will necessitate paying off the balance gradually over time, look for the lowest interest rate.
When selecting a credit card, keep your credit history in mind. If you don’t have a good credit history, or if it’s less than five years old, your options will be limited to the most basic cards with low credit limits.
5. Thoroughly research the card. Make certain that you thoroughly read and comprehend the fine print associated with your choices. It is not only important to understand what you are getting into when applying for a credit card, but it can also help you find the best card for you.
6. Select a credit card. Finding the best credit card can be a difficult task. However, after reading about each card’s advantages and disadvantages, you will be able to make an informed decision about which one is best for you.
Part 2 Applying for a Chase Credit Card Online
1. Click the “Apply Now” button. Once you’ve decided on a suitable card, go to its web page and click the “Apply Now” button. This button is green and is located to the right of the card image.
You can also apply for a card over the phone by calling the customer service number. This number is 1-877-242-7372 in the United States. Outside the United States, dial 1-713-262-3300.
However, keep in mind that this method may take longer and may result in errors because you won’t be able to see what the representative has entered into the screen. It will be necessary for you to speak the information to the representative, who will then read it back to you to ensure accuracy. Furthermore, if they are extremely busy, you will most likely be required to wait on hold for several minutes.
2. Pay close attention to the instructions. You will be guided through several pages by the application. Fill in each box carefully, and double-check to ensure you haven’t missed anything.
Check that all of your information is correct. Chase may reject your application if you have transposed digits or missing information.
3. Fill out the application. You will be asked to provide information about yourself, where you live, how much you earn, who you work for, your social security number, and a variety of other details in the online application.
This information will be used to assist the bank in determining your likelihood of using the credit card responsibly.
If you are not retired, do not receive alimony or child support, or do not require a card for an additional user, leave these sections of the form blank.
4. Send in your application. After submitting your application, you should receive an email confirming receipt. This email will usually include information about how long it will take to make a decision.
5. You must wait for a decision. With today’s technology, Chase can usually make a decision on your application in a matter of minutes. If you are approved, you should receive your card in the mail within a few days.
When you receive your new card, you must activate it online at www.chase.com/verifycard (you must have an online account, which you can easily create) or by calling the number on the card. Remember to sign the card as well!
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