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Chase credit journey8/4/2023 So I wouldn’t want to do anything that would make those benefits disappear.Īm I being paranoid? Do they already have access to this information anyway without me consenting to Credit Journey? Curious to see what others take on this is. For example, I usually get a ton of attractive balance transfers when I don’t need them, but as your utilization goes up to the point a new offer could be helpful, they often seem to coincidentally dry up.ĭespite this, Chase has been pretty good to me over the years with balance transfer offers or by dropping my APR on new purchases as an incentive for me to use their cards more. That is to say, you can only get it when you don’t need it. It seems to me that credit is often a bit of a catch-22. I’m sure these would only be soft-pulls, but it doesn’t seem like it would be in my favor to have Chase or any other credit issuer for that matter to be keeping closer tabs on my credit situation. It states something along the lines of the fact that Chase will have full access to your credit history through Experian and can view it anytime they want as long as you are signed up for the Credit Journey service. I probably would have just tried it myself, but the legal disclaimer it prompts you to agree to in order to get started didn’t sit exactly right with me. It updates weekly and gives me my last reported balance on active accounts down the the dollar.įor those who have used it, how does Credit Journey compare? More importantly, is there any downside of signing up? Capital One, however, has been my go-to for some time now to keep track of my score. In the past I haven’t found the credit score given by Discover or Citi to be that current or helpful. I’ve been thinking about giving the Credit Journey feature in my Chase app a try. We may make an exception if it's truly unique and helpful. Self-promotional posts must be pre-approved by a mod. Any downside to using Chase’s Credit Journey feature Hi all. Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Official User Flairs Thread - Learn how to customize your user flairĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service.Clark recommends never carrying a balance on credit cards, so the non-introductory interest rate shouldn’t matter for your card anyway. We did not factor in non-introductory APR as a part of the evaluation, because interest rates are going to vary based on your financial circumstances. Additional fees (transaction or otherwise).This is different than a FICO score, but it’s just as valid. The score you see on Chase Credit Journey is the VantageScore 3.0 by TransUnion. Annual fees (Clark recommends avoiding them in most cases, but there are times it is worth it.) Chase Credit Journey is a free tool offered by Chase that allows you to keep track of your credit score and credit report activity.Team Clark spent many hours reviewing the rewards credit cards on the market, assessing them for several factors including: Clark carries this card in his wallet.įor the purposes of determining which rewards cards are “best” in various categories, we got input from Clark Howard and sought to find cards that fit his credit card strategy best. Also, you’ll get an annual $75 Southwest credit that is like slashing the annual fee in half. That allows this card to focus on going a little deeper with its promotions such as unlimited rewards seats and no blackout dates. Why We Like It: A lot of the perks some other airline cards offer, such as waivers on bag fees or change fees, are standard for all Southwest Airlines customers. Southwest Rapid Rewards® Priority Credit Card Review
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