If you have excellent credit and you want to get a credit card, then you should consider applying for a JP Morgan Chase credit card. It’s one of the most popular issuers of credit cards and it also has a lot of different cards that can suit different consumers. You can find a lot of card options with Chase if you know where to look. With that being said, let’s talk about how to apply for a JP Morgan Chase credit card so you can take advantage of the perks and benefits they offer instead of just passing on an opportunity because you don’t know how to get one.
How to Apply for a JP Morgan Chase Credit Card
If you have excellent credit and you want to get a credit card, then you should consider applying for a JP Morgan Chase credit card. It’s one of the most popular issuers of credit cards and it also has a lot of different cards that can suit different consumers. You can find a lot of card options with Chase if you know where to look. With that being said, let’s talk about how to apply for a JP Morgan Chase credit card so you can take advantage of the perks and benefits they offer instead of just passing on an opportunity because you don’t know how to get one. First off, you need to check your credit first. To do this, you can visit Credit Sesame or Nerd Wallet. You can also get access to your credit report for free every 14th of the month with Credit Karma. You can see how much of your credit score is determined by the amount of debt you have. If you don’t have any recent credit history, you could be denied from some credit cards. If this is the case, then you’re going to have to wait for a few years before you can start applying for credit cards again. Next, get a recent bank statement. Make sure it’s from within the past 6 months so it can show up on your credit report. Now, find your bank’s online application. Make sure it’s easy to use and has a lot of information you can fill out. Don’t worry if it feels a little overwhelming the first time; you’ll get used to it. Once you’re finished, you can send it or save it on your computer so you can use it as a reference during the interview process.
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Check your credit first
When you apply for a credit card, your credit score is going to be one of the main factors that determines whether or not you get approved. You want to make sure you have the best chance of getting approved if you apply with a basic credit score of 700 or higher. Therefore, the first thing you should do is check your credit score. To do this, you can visit Credit Sesame or Nerd Wallet. You can also get access to your credit report for free every 14th of the month with Credit Karma. You can see how much of your credit score is determined by the amount of debt you have. If you don’t have any recent credit history, you could be denied from some credit cards. If this is the case, then you’re going to have to wait for a few years before you can start applying for credit cards again.
Get a recent bank statement
Next, get a recent bank statement. Make sure it’s from within the past 6 months so it can show up on your credit report. Now, find your bank’s online application. Make sure it’s easy to use and has a lot of information you can fill out. Don’t worry if it feels a little overwhelming the first time; you’ll get used to it. Once you’re finished, you can send it or save it on your computer so you can use it as a reference during the interview process.
Review the card benefits and fees
Once you have everything together, you can start reviewing the card benefits and fees. The first card benefit you want to take a look at is the cash-back rewards. A lot of JP Morgan Chase credit cards offer some of the highest cash-back rewards on travel purchases, like airfare, gas, and hotels. If travel is something you do a lot, you can get up to $1,500 a year in rewards with Chase cards. The card benefit you want to pay attention to the most is the sign-up bonus. Depending on the card you get, you might be able to get $500 or even $1,000 when you sign up for the card. With this money, you can pay off any credit card debt you have and start saving for the future.
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Request a quote online
Once you have everything together, you can start reviewing the card benefits and fees. The first card benefit you want to take a look at is the cash-back rewards. A lot of JP Morgan Chase credit cards offer some of the highest cash-back rewards on travel purchases, like airfare, gas, and hotels. If travel is something you do a lot, you can get up to $1,500 a year in rewards with Chase cards. The card benefit you want to pay attention to the most is the sign-up bonus. Depending on the card you get, you might be able to get $500 or even $1,000 when you sign up for the card. With this money, you can pay off any credit card debt you have and start saving for the future.
Show you deserve it: tips on how to convince them to offer you the card
Now that you know how to apply for a credit card and have everything together, it’s time to show the credit card company that you deserve that credit card. The first thing you want to do is call the number on the back of the card. This is going to be the best way to show you want the card and try to get the sign-up bonus. The representatives on the phone are usually more interested in getting you the card than the person at the front desk. Next, you want to make sure you keep all of your payments on time. If you miss a payment, it can negatively affect your credit score and make it more difficult for you to get approved for new cards in the future. You also want to make sure that you don’t exceed the credit limit on any of your existing credit cards.
Conclusion
If you have excellent credit and you want to get a credit card, then you should consider applying for a JP Morgan Chase credit card. It’s one of the most popular issuers of credit cards and it also has a lot of different cards that can suit different consumers. You can find a lot of card options with Chase if you know where to look. With that being said, let’s talk about how to apply for a JP Morgan Chase credit card so you can take advantage of the perks and benefits they offer instead of just passing on an opportunity because you don’t know how to get one.
