Chase Credit Card Activation:We know you’re looking forward to utilising your brand-new Chase credit card. Just not too quickly! After obtaining your card, the first thing you must do is confirm its receipt and activate it. By phone or online, this can be completed in one easy step.
In this article, we’ll explain how to activate your Chase credit card and give you some advice on what to do next to maximise the benefits of your new card.
Credit cards can be practical instruments for balancing your monthly financial flow and providing you with the comforting knowledge that you have access to credit in case of emergency. However, these advantages for your financial wellbeing only apply if you use credit responsibly.
Chase is a well-known credit card provider with many outstanding cards. Knowing exactly how to apply for a Chase credit card and what you can do to increase your chances of approval may be helpful if you want to receive one.
Although the application procedure is not challenging, it moves more swiftly if you are familiar with how it operates. You should be aware of some Chase application requirements before submitting an application. For all the information you need to apply for a Chase card, keep reading.
What to understand before requesting a Chase credit card?
Source: Chase Website
Prior to considering applying for a Chase credit card, you should be aware of the 5/24 rule. Applicants who have obtained five or more credit cards in the past 24 months virtually always receive a rejection letter from Chase. Most people won’t have a problem with this, but if you often apply for new credit cards, Chase may reject you.
Verify the number of credit cards you have opened within that time. It’s best to wait and submit your application later if you won’t pass the 5/24 rule. One of the harshest application guidelines used by any credit card business is this one. It can only occasionally be avoided if you have been pre-approved for a Chase credit card.
Your credit score is crucial as well. The majority of Chase’s credit cards are designed for those with fair credit or better, defined as a FICO® Score of at least 670. If your credit score isn’t at least near that level, you might want to first concentrate on raising it. Alternately, consider the Chase Freedom RiseSM Credit Card, which is offered to people who are establishing credit.
Milestone Credit Card Activation: Steps To Activate, Eligibility, Features, and FAQs
How to apply for a Chase Credit Card Activation?
A Chase credit card application can be completed quickly. This is the procedure.
Source: Chase Credit Card Portal
1. On the card page, select the apply option.
It should be noted that signing in first will speed up the application process if you already have a Chase account. If you do, Chase will use the data it already has on hand about you to complete certain sections of the application.
2. Complete the application.
You should be ready with the following in order to complete the application procedure without any issues:
- Name, birthdate, Social Security number, and mother’s maiden name are examples of personal data.
- Contact information, including a mailing address (you cannot use a PO Box as your address), email address, and phone number.
- Financial details, including your occupation, gross annual income, whether you own your home or rent, and the amount you pay each month for rent or a mortgage.
3. To accept the terms of the application, tick the box and then click “Submit.”
After that, your application will be handled.
What takes place following a Chase credit card application?
When you submit your application, Chase may immediately accept it or reject it. Chase might also do a more thorough evaluation of your application.
The best-case situation is an instant approval, so we won’t need to discuss what to do there. The two further responses to your Chase credit card application should be handled as follows:
- If your application is denied: Chase will explain why in a letter to you. You can seek for a reconsideration by calling Chase at the number provided. A Chase agent might reverse the refusal and approve your application if you approach them the right way and with a little bit of luck.
- Pending review: Either your application has been accepted or rejected. Chase will notify you in writing of its choice, but you can also call to inquire about the progress of your application. To give Chase’s system time to potentially approve your application, you might wish to wait three to five days. If your application is ultimately rejected, you can contact and urge the agent to reconsider following the same process.
Choosing a Chase Credit Card
Source: Business Insider
It is a good idea to weigh your selections since Chase offers so many prestigious credit cards. Because they are a part of the Ultimate Rewards point system, the Chase Sapphire credit cards are well-liked among travellers.You may arrange travel with Chase Ultimate Rewards points because they are so flexible.
Additionally, you have a choice between cards that don’t have an annual fee, cards with a 0% introductory APR, and cards that offer cash back on purchases. There are various business credit card alternatives offered by Chase if you own a business.
Consider the credit card type you desire or the feature that matters to you the most. The demand for rewards cards is high. If so, you must choose between a cash back credit card and a travel credit card. Here are suggestions for the top Chase credit cards based on your needs to assist you in making your decision.
Top Chase Credit Cards
- Chase Sapphire Preferred® Card: Best sign-up bonus.
- Chase Sapphire Reserve®: Best for travel perks.
- Chase Freedom Unlimited®: Best for cash back.
- Chase Freedom Flex℠: Best for rotating categories.
- The World of Hyatt Credit Card: Best for hotel elite status.
- Southwest Rapid Rewards® Premier Credit Card: Best for companion flights.
- IHG® Rewards Premier Credit Card: Best for reward stays.
- United Explorer Card: Best for airline miles.
- Ink Business Preferred Credit Card: Best for businesses.
Why are these the greatest Chase credit cards for 2023, in your opinion? Let’s examine each card’s specifics and then contrast them with one another.
Chase Freedom Unlimited Card
The greatest Chase credit card for cash back is without a doubt the Freedom Unlimited. You may use the Freedom Unlimited card anywhere and be sure to earn at least 1.5% cash back on every purchase thanks to the card’s 1.5% cash back guarantee.
However, this card also includes three bonus categories, increasing its worth.Holders of the Chase Freedom Unlimited card also receive rewards on qualifying dining expenditures (including qualified food delivery services), travel purchases made through Ultimate Rewards, and purchases made at pharmacies.
Chase Sapphire Preferred Card
One of the greatest first credit cards for people wishing to accumulate travel rewards is the Chase Sapphire Preferred. The card offers a sizable sign-up bonus, a low annual fee of $95 and a number of well-liked bonus categories and advantages. Those who sign up right away for the Chase Sapphire Preferred will receive 60,000 extra points after making a $4,000 purchase during the first three months after card issuance.
You can earn 2 points with the Chase Sapphire Preferred for every dollar you spend on travel (or 5 total points for travel purchased through Ultimate Rewards), 3 points for every dollar you spend on dining, select streaming services, and select online grocery purchases, 5 points for every dollar you spend on Lyft (from now until March 2025), and 1 point for every dollar you spend on all other purchases.
Chase Sapphire Reserve Card
It’s a terrific time to have access to VIP travel benefits, and for the discerning traveller, the Chase Sapphire Reserve is difficult to better. You’ll discover that the points accumulate quickly and the rewards can easily exceed the card’s steep $550 annual cost.
The card gives you three points for every dollar spent on dining (or a total of 10 points on Chase Dining), three points for every dollar spent on travel (or a total of 10 points for hotels and car rentals purchased through Ultimate Rewards, and five total points for flights purchased through Ultimate Rewards), ten points for every dollar spent on Lyft rides (through March 2025), and one point for every dollar spent on all other purchases.
Chase Freedom Flex Card
It takes a little more preparation to use the Chase Freedom Flex card, but if you can take full advantage of the card’s changing bonus categories, you can use it to earn some fantastic cash back or even travel rewards.
With the Freedom Flex, you can get 5% cash back on up to $1,500 in combined purchases each quarter in bonus areas that rotate. The main categories span from grocery stores to Amazon, so it should be simple to earn up to $75 in additional cash back every three months.
World of Hyatt Credit Card
For many people, Hyatt still offers one of the best hotel loyalty programmes. Despite the chain’s smaller presence than that of Marriott or Hilton, its benefits are of the highest calibre. Additionally, the programme enables owners of World of Hyatt Credit Cards to advance up the ranks to receive money-saving advantages and other incentives, which may genuinely result in royal treatment during your stay.
For every $5,000 you spend using the World of Hyatt Credit Card, you’ll receive two elite qualifying nights, for a total of five elite night credits per year. Top-tier Hyatt Globalist status requires 60 qualifying nights annually, but World of Hyatt Credit Card holders just need 55 qualifying nights. Additionally, the card comes with free Discoverist elite status, so just by having the card, you’ll have at least some status at Hyatt.
Southwest Rapid Rewards Premier Credit Card
Although you won’t get as many points for your regular purchases with the Southwest Rapid Rewards Premier Credit Card as you would with other Chase cards, you will have the chance to obtain the coveted Southwest Companion Pass®. For as long as you have the Companion Pass, which expires on December 31 of the year after you acquire it, you can bring a companion along for free (plus taxes) on any Southwest flight.
The Companion Pass typically requires 135,000 Southwest qualifying points to obtain, but happily, all points earned — including those from the welcome offer — count towards the requirement.
IHG Rewards Premier Card
Holiday Inn, Hotel Indigo, Kimpton, Crowne Plaza, and upscale Intercontinental Hotels are just a handful of the well-known hotel brands that are part of IHG. Therefore, having the IHG Rewards Premier Credit Card in your pocket or purse may be a good idea.
140,000 points are presently being offered after making $3,000 in purchases within the first three months with the card. Additionally, you can receive up to $100 in IHG statement credits as part of the current promotion when you make purchases at IHG Hotels and Resorts within the first 12 months of your account activation. The points component of this deal is worth $700 towards IHG stays, with each IHG point valued at approximately 0.5 cents, according to The Points Guy.
United Explorer Card
The fact that using airline miles might be challenging is the primary worry for many people when it comes to earning them. Finding the perfect trip requires some flexibility and forethought because the planes you want aren’t always available.
The United Explorer Card fortunately creates more chances. Cardholders will see increased award availability for United flights while looking for award tickets, giving you access to more trips at a cheaper mileage cost.
Ink Business Preferred Card
The Ink Business Preferred credit card is a great option if you’re looking for a business credit card. For the first $150,000 in total purchases made with the card each account year for some of the most well-liked company categories:
- Journey
- Shipping transactions
- Cable, Internet, and phone services
- Purchases of advertising on social media platforms or search engines
When you pay your complete mobile phone bill with your Ink Business Preferred card, you’ll also have access to a special cell phone protection feature that protects your phone against damage or theft. You can then submit up to three claims per 12 months, up to $600 per event with a $100 deductible per claim, and you’ll be protected as of your second payment cycle. Even your family members or coworkers who are mentioned on your cell phone bill are covered.
Which is the Best Chase Credit Card?
It can be challenging to select the actual “best” card among the numerous highly rated Chase credit cards. They are all powerful in their own right, providing special advantages that cater to certain demographics.
The Chase Freedom Unlimited credit card is the best option if you want a straightforward card that also rewards you with cash. You can maximise the benefits you receive each quarter with the Chase Freedom Flex if you don’t mind paying a little more attention to your purchases.
However, if travel rewards are more your style, the Chase Sapphire Preferred or Chase Sapphire Reserve are both excellent choices. While people who spend a lot of money on travel and consider themselves road warriors will find value in the more expensive Sapphire Reserve, leisure travellers are likely to find the Sapphire Preferred to be more suitable.
The World of Hyatt Credit Card can be able to assist you get treated like a VIP during your subsequent hotel stay if receiving hotel amenities is important to you. The yearly night certificates that come with the IHG Premier card are also difficult to top.
Finally, if you’d rather concentrate on travelling, you may acquire the Southwest Companion Pass with the Southwest Premier card, and you can improve your award ticket options with the United Explorer Card. Of course, the Ink Business Preferred is the best option if you’re a business.
How can I Pay Off My Chase Credit Card?
Source: Twitter
Paying off your Chase credit card is most convenient when done online, through the Chase Mobile app, or by phone at (800) 436-7958. You can also pay your credit card bill by mail, Western Union, or at a Chase branch or ATM.
● On the website
Using your login information, access your online account, and click the “Pay card” option next to the credit card you wish to pay with. Next, decide how much you’ll be paying. You have the option of paying your outstanding debt, the required minimum payment, or a specific sum. Select the payment account you want to use and the payment date. Afterward, select “Pay this bill.”
● Chase Mobile App
In a manner similar to an online payment, you can also use the Chase Mobile app for iOS or Android to make a Chase credit card payment.
● Via telephone:
You can also use your phone to pay the balance on your Amazon Credit Card. Call Chase at (800) 436-7958 and follow the automated system’s instructions.
● At a Chase branch or ATM:
You can also pay with your credit card inside any Chase bank branch or at an ATM.
● Via mail
If you’d prefer to mail your Chase payment, enclose your payment coupon with a cheque or money order that has your account number on the memo line to:
Cardmember Services
P.O. Box 6294
Carol Stream, IL 60197-6294
Overnight Mail
Chase Card Services
201 N. Walnut Street
De1-0153
Wilmington, DE 19801
● By way of Western Union:
Finally, use the Code City WALNUT for Western Union payments; keep in mind that it could take up to 7 days for the payment to appear on your account.
Recall that payments sent by normal mail take a while to post. Therefore, send your payments at least 5-7 days before the due date to prevent being late.
Frequently Asked Questions
How soon after activation may I use a credit card?
Normally, your credit card is ready for use as soon as you confirm receipt or activate it.
What occurs if a credit card is not activated?
The account will remain open if you don’t confirm activation on a new credit card. Since the credit card isn’t being used, the impact of your payment history will be negligible to nonexistent on your credit score. However, the credit limit you were granted will be included in the debt-to-income ratio (which accounts for 30% of your credit score) that tracks your present debt and available credit. Therefore, it will still have an impact on your overall credit score even if you don’t activate and use a new credit card. Even if you don’t activate the card, the annual fee will still be charged if your credit card has one.
How can a credit card be activated the simplest way possible?
A new credit card can be activated using one of two techniques. You might wish to choose to activate your card over the phone or online if convenience is important to you and you need it activated fast. When you activate the card, don’t forget to review your cardmember agreement so you are informed of any finalised interest rate information and can learn about any incentive programmes you can join. Additionally, now is an excellent time to open an online credit card account, enrol in an automated payment plan, or register for a mobile app. Remember that just because you don’t activate a credit card doesn’t mean that it isn’t having an impact on your credit score.
How are Chase Offers redeemed?
- Examine your offers in your Chase Offers email, on Chase.com, or in the Chase Mobile® app.
- With just one click, add Chase Offers for the companies you love on your card.
- Pay with your card at the designated retailer.
- In 7 to 14 business days, the statement credit will be shown on your account.
What is the Chase Sapphire Preferred’s highest credit limit?
Although there have been rumours of credit limits exceeding $10,000 and even $20,000, Chase does not publicly disclose the maximum credit limit for its credit cards. You can anticipate having a credit limit of at least $5,000 if you are approved for the Chase Sapphire Preferred. That is its official minimum credit limit because it is a Visa Signature card.