Out of curiousity, I checked out this website that came with a credit card denial letter. I put in my info and it gave me my credit score. Well on there it shows that I have 3 credit cards, only one of which I know of and use. The other two are Chase cards which I applied for and were apparently approved for but never received? Actually I'm pretty sure I got a reply saying I was denied that card... What's the deal with that? Anyone have any idea why I never received these cards or has this happened to you? If you want to see the site it's: http://creditexpert.com

11/26/2006 3:50:47 AM

You need to call them RIGHT NOW. Not even kidding.

I had someone steal a credit card from my mail box once, and used it for like, a day or so before I realized something was up (looking at my online statement). Luckilly they didn't make me pay for it.

good luck

11/26/2006 11:14:25 AM

credit cards ftl

11/26/2006 11:24:54 AM

if there is a open account in your name with charges on it and you did not make the charges, call the credit card company asap

11/26/2006 12:17:44 PM

my chase has 0% till march!!1

11/26/2006 12:56:31 PM

my advanta business has 0% til 2008 + 5% cash back

beat that

11/26/2006 10:38:34 PM

I called them last night after I posted this and neither cards had been activated. I had them close one account and they're sending me a new card for the other one.

11/27/2006 12:48:56 AM

well thats good...glad everything turned out ok

11/27/2006 1:18:58 AM

I was about to say if you haven't activated then they can close them and it shouldn't hurt your score ... but looks like you're good to go

BTW Chase is great while you have the card, but as soon as you pay shit off they try to sell you shit like a crazy crack whore

11/27/2006 10:46:34 PM

Cancel your Chase account and don't use/get a credit check for six months.

Then apply for a credit card that actually has an acceptable APR with some sort of reward system.

The fine print on the Chase stuff reads LOLRAPE after your 0% introductory rate is up.

11/27/2006 10:58:41 PM

^ The fine print reads differently for different Chase cards. Most cards that companies send to people under 24 will read LOLRAPE. The worst is Citi, after that is Discover - they both have "student" cards with rates that border on those of loan sharks. Worse than both of those are department store cards. I had several friends in undergrad who wrecked their credit with dept. store cards to the point where they couldn't even get the phone turned on with a new apt.

11/27/2006 11:24:59 PM

Haha.. yeah that's definitely true about department stores. I work at Belk's and those cards' APRs are insane.

11/28/2006 12:54:47 AM

25.5% apr

11/28/2006 1:11:33 AM

Quote :

"BTW Chase is great while you have the card, but as soon as you pay shit off they try to sell you shit like a crazy crack whore "

yeah, im amazed at how much shit i get in the mail from chase. ive had a card with them for a long time (well, chase bought my cards company), and id say i get something in the mail from them every other day....most of the time its to sign up fo a card that i already have.

11/28/2006 11:16:05 AM

i love the mailing saying "youve achieved elite status" or some shit like that


then send this back for your "elite status" kit= a sticker


fine print signs you up for some 79.00 a year service

11/28/2006 4:21:48 PM

chase just bought bp, my gas card is wicked expensive now.

11/28/2006 4:30:16 PM

people pay for credit cards?

11/28/2006 4:33:43 PM