Thursday, August 11, 2022

How To Expedite Chase Credit Card

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What Do I Do If I Haven’t Received A Card Yet

How To Use the Chase Freedom Flex Credit Card: Unbox!

If you’ve applied for a new credit card, been approved and have not received it after 10-14 business days, there are steps you can take to remedy the situation. If you’re in the area, you can visit a local branch office to find out what might have gone wrong. Depending on your credit card issuer, you may be able to request a temporary card. Another option would be asking for expedited shipping, typically at a cost.

Barclays Paying For A Faster Credit Card Delivery Time

You can request expedited shipping of a Barclays credit card, but itll cost you. Barclays has charged cardholders $15-$29 to expedite delivery. Upon approval, Barclays will provide instant card information on several co-branded cards, including those from JetBlue, Hawaiian, and Frontier.

Ive said no thanks to expedited delivery of Barclays credit cards in the past. Ive never had a burning need to spend on any of their cards ASAP.

To What Limit May I Apply For Several Credit Cards

The number of credit cards you may own is technically unrestricted. It takes 1,498 legitimate cards to break the Guinness World Record for the largest collection of cards. How many credit cards you should carry is a matter of personal preference. A corporate credit card, premium travel rewards card, and cash-back credit card or possibly several of each can make sense for you.

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Give Yourself Enough Time

If you have a large purchase and you need a card that offers an introductory 0% APR, or you have a big trip coming up and you want a card that offers extra travel perks, give yourself enough time to apply for and receive the card before you need it. Also keep in mind that “business days” generally excludes weekends and holidays.

Finally, the Nerds have seen cases in which new applicants with urgent or unusual circumstances got expedited delivery from issuers that don’t generally offer it. So if you’re in a jam, it never hurts to ask.

About the author:Ben Luthi is a former credit card specialist for NerdWallet.Read more

Best Capital One Cards With Expedited Shipping

My Recent Credit Card Applications: Chase Ink Plus, Citi Hilton HHonors ...

Capital One has more than 45 million cardholders covering the spectrum of credit scores from poor to excellent. It offers around-the-clock customer service and free access to credit scores. It also offers in-person customer service at any of its 750 bank branches.

While Capital One doesnt automatically offer expedited shipping on new cards, you can request expedited shipping, though theres no guarantee it will be done. Make your request to Capital One customer service at 1-877-383-4802.

OVERALL RATING

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchaseor redeem by booking a trip through Capital One Travel

OVERALL RATING

+ See More Capital One Cards

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Best Discover Cards With Expedited Shipping

Discover is the smallest of the big-four card processing networks , yet it can be proud of having 57 million cardholders, including many with below-average credit scores. Its cards are well-regarded for their rewards, travel offers, and fraud protection.

Discover has split the difference between snail mail and expedited shipping by providing priority mail shipping on all cards. You dont have to ask for it, its automatic and free. Expect your card to arrive in three to five business days.

at Discover Card’ssecure website

EXPERT’S RATING

  • INTRO OFFER: Unlimited Cashback Match only from Discover. Discover will automatically match all the cash back youve earned at the end of your first year! Theres no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 12.74% to 23.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.

at Discover Card’ssecure website

EXPERT’S RATING

Amex The Best Credit Card Delivery Times And Service

In my experience, Amex has provided the best service in terms of expedited credit card delivery time and account information. When I called Amex regarding a recent Delta SkyMiles Platinum Amex application, they proactively offered to expedite delivery of the card via UPS. I had the card in my hands two days later. Amex routinely offers expedited delivery of other premium cards like their Gold and Platinum cards. During the online application process, Amex also offers to immediately provide card information so that you can use the card for purchases prior to physical card receipt.

You can also call in to request expedited delivery of other Amex cards, whether after a new application or due to theft, fraud, or loss. Amex has reliably expedited cards to me on several of these occasions.

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Does A Lost Credit Card Affect Your Credit Score

Replacing a credit card won’t affect your credit score. Even if you get a new card with a new 16-digit number, the card account and the age of that account remain the same for the purpose of credit reporting.

Still, if one of your cards goes missing, there are a few prudent steps you can take after reporting the lost card to ensure your credit isn’t negatively affected:

  • Be sure you pay what you owe on the old cardReplacing a credit card doesn’t zero out what you owe. Even if the card is no longer active, you’ll still be liable for the charges you incurred when the card was in your possession.
  • Monitor and protect your identityOne smart step if you’re concerned about the risk of identity theft is to place a freeze on your credit profile with one of the credit reporting bureaus. You only need to place the freeze with one of three bureaus as the others will be automatically notified.
  • Check your credit report closelyYou are entitled to one free credit report annually from each of the three credit reporting agencies. Consider staggering these reports in the months after your card is lost or stolen so you can watch for any unauthorized activity.

Can You Use Credit The Same Day Youre Approved

Applying For a Chase Credit Card | Tips To Know BEFORE You Apply With Chase!!

Perhaps youre not aware of it, but some issuers allow immediate use of your credit card account without waiting for receipt of your physical card. This allows you to make card-not-present purchases while the card is in transit.

Issuers can implement same-day usage in a couple of ways. The simplest is to send you your new account number.

Thats convenient, but it may not be the safest if they send you the number via email. If you are worried about security, you probably dont want your credit card number arriving in an email. If your email is hacked, youre open to fraud.

Alternatively, the issuer may offer virtual card numbers to use while you wait for your card to arrive. A virtual card has a random account number and is good for a single card-not-present transaction. You can get a new virtual number for each CNP purchase, which allows same-day use of your new credit card.

Capital One offers virtual card service through its Eno® assistant feature. Eno also tracks spending and monitors for fraud.

Select Citi cards provide virtual account numbers through its online interface, but you must first register the real account number. However, Citi immediately releases the real account number for only its co-branded cards.

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Find The Customer Service Information Online

For example, if you have a Chase credit card, you can use the self-service options or contact customer support. Chase Customer Service is available at 1-800-935-9935.

You can also send Chase a message on social media, such as on Twitter, Facebook or Instagram. If you decide to go this route, you should never include your credit card number or personal information in the message.

You can also use Chases resource hub to find answers to frequently asked questions and solutions to common issues. If you find the answer to your question, this could save you the trouble of contacting customer service in the first place.

Its Not The Number Of Cards Its How You Use Them

The way you use your credit cards is more significant than how many you have. Always pay off the entire statement balance each month if you want to maintain good credit health by paying your bills on time. On the other hand, your credit score will drop if youre late on payments, go over budget, or pay the bare minimum. Make sure you dont open more accounts than you can keep track of properly.

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How Long Does It Take For Chase To Approve A Credit Card Application

Chase approves most credit card applications instantly. As soon as you click submit, you should receive a decision within 60 seconds.

However, some applications require further review. If thats the case, you may receive a message stating one of these time estimates:

  • 7-10 days
  • 14 days
  • 30 days

The most common waiting period is between 7 and 10 days. If Chase provides a reason for the delayed decision, you might be able to expedite the process by calling. Otherwise, you will need to wait up to 10 days.

What To Do If You Find Your Missing Credit Card

Chase Sapphire Reserve in Plastic Card?

If you find your missing credit card, you can contact the card issuer at the number on the back of the card to let them know you’ve found it. Depending on timing, they may instruct you to destroy and dispose of the card and begin using the replacement card that they’ve arranged to be sent to your address.

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Can I Get Chase Custom Credit Cards

Chase also offers custom credit cards but not for most of their credit cards.

If you are going for some of their best rewards cards like the Chase Sapphire Preferred or Chase Sapphire Reserve, youre not going to be able to customize those credit cards. You also wont be able to customize most of the co-branded credit cards like the Chase Southwest, Marriott, IHG, United, and other similar cards.

But, like you might expect, you can get custom Disney credit cards. Just like the debit cards, there are a lot of different options to choose from .

You can get these custom cards with the Disney Premier Visa Card and the Disney Visa Card. The Disney cards arent the best travel rewards credit cards because they dont come with the highest welcome bonuses or with the best bonus earning potential, so Id consider other Chase cards if you are truly interested in maximizing your travel rewards.

Recent Missed Payments Or High Card Balances

Even if youre credit score is still within the range of most applicants, a history of recently missed payments or high balances put your approval odds at risk.

The bank might be unsure if these two negative factors were one-time accidents or the start of a new trend. They may pass your application to a manager for review.

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Can You Get A Credit Card Expedited

Some issuers offer expedited shipping thats free and easy to obtain. Others require a compelling reason and may charge a fee.

Or, you may encounter an issuer like Discover that offers free priority shipping in lieu of expedited shipping. Some issuers dont offer expedited shipping at all, even if youre willing to pay for it.

Most credit cards will arrive in seven to 10 days. Naturally, the shipment must wait on approval, so it makes sense to apply for cards that offer a reasonably good chance of approval.

Often, an application enters pending status because some piece of information is missing. You can help the process by contacting the issuers customer service department and see whats causing the delay. It may be as simple as verifying your employer or annual income.

Some issuers offer same-day approval. If youre in a rush, choose one of them.

That way, youll know right away whether you have to apply somewhere else. Thats a lot better than waiting a few days before finding out your application was denied.

Another reason why it may take a while to receive a new credit card is that it must be manufactured. Its faster to make a simple plastic card than a fancy heavy-weight. And we can imagine that some fabrication operations are more efficient than others.

Having Too Many Cards Can Make It Difficult To Manage Your Finances

Do THESE Things When You Get a New Credit Card

In order to maximize your points, it is important to use your credit cards in a planned manner. When it comes to cashback, the Blue Cash Preferred® Card from American Express offers 6% cashback at U.S. supermarkets , 3% at gas stations and eligible transit, and 1% on other purchases, so its worth considering if you spend a lot of money in those categories.

When you open new accounts, you may also be eligible for sign-up incentives. If you achieve the minimum spending threshold for the Chase Sapphire Preferred, youll receive 60,000 extra points. If you book through the Chase site, you might get up to $750 in travel expenses. You might establish a new credit card to expedite your travel plans if youre planning a long journey.

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Opportunities For Credit Limit Increase

To help students improve their credit, the Chase Freedom Student card automatically reviews accounts for a after five on-time payments in the first 10 months of account opening.

A higher credit limit can translate into a higher credit score if the cardholder doesnt increase spending. This is because the percentage of credit line used relative to the cards limit is the second most influential credit score factor, and its responsible for 30% of your score.

Youll Have More Opportunities To Earn More Rewards

In order to maximize your points, it is important to use your credit cards in a planned manner. When it comes to cashback, the Blue Cash Preferred® Card from American Express offers 6% cashback at U.S. supermarkets , 3% at gas stations and eligible transit, and 1% on other purchases, so its worth considering if you spend a lot of money in those categories.

When you open new accounts, you may also be eligible for sign-up incentives. If you achieve the minimum spending threshold for the Chase Sapphire Preferred, youll receive 60,000 extra points. If you book through the Chase site, you might get up to $750 in travel expenses. You might establish a new credit card to expedite your travel plans if youre planning a long journey.

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Here Are A Few Other Tips Weve Discovered:

  • Youll need to give Chase a day or two to process your application before customer service can find it in the bank system. The sweet spot appears to be around Day 4 or 5 from when you first submitted your application and got the decision pending notification.
  • Either bring all supporting documents you might need, or have the information readily available to pull up if and when asked.
  • As always, be very, very courteous. This isnt just a good rule of thumb for life it could be the difference between getting someone who merely gives you the information you need, versus establishing a relationship with a banker who proactively goes the extra mile to push your application through the system.

An appointment with a personal banker wont eliminate the 5/24 requirement or push an application past a low credit score. But they can help you reach the right department more quickly, or break down certain requirements that FAQ guides wont explain. And of course, they can quickly resolve simple issues like the address mix-up that held up my credit card application.

And in case you were wondering, I applied for the Chase Ink Business Preferred, of course. Its one of my all-time favorite credit cards, and I personally believe its seriously underrated for freelancers and small business owners.

Featured photo by Shutterstock.

When To Expect Your Card

My New Chase Marriott Rewards Premier Plus Credit Card Arrived ...
  • American Express: Platinum and Delta-branded cards receive rush delivery , but all other American Express cards require 7 to 10 business days for delivery. American Express usually mitigates the wait, however, by giving you your account number upon approval if you apply online so you can use it for online purchases immediately. American Express will expedite replacement cards upon request.» MORE:NerdWallet’s best American Express cards

  • Bank of America®: Doesn’t expedite new cards, but you can request rush delivery on replacement cards. Otherwise, you’ll have to wait 7-10 business days.» MORE:NerdWallet’s best Bank of America® cards

  • Barclays: Offers overnight delivery, but you’ll have to pay a fee of up to $30. Generally, it’ll take 2 to 3 weeks to receive your card. Barclays will expedite your replacement card if there has been fraud on your account otherwise, you’ll have to pay the overnight delivery fee. Replacement cards require 7 to 10 business days for delivery.» MORE:NerdWallet’s best Barclays credit cards

Keep in mind that ‘business days’ generally excludes weekends and holidays.

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