How To Activate Your New Credit Card
After you’ve applied and been approved for a credit card offer, your new card should arrive in the mail within 7-10 business days. Your credit card will arrive in a sealed envelope and instructions on how to verify receipt of the card. If required, you may also receive a set of instructions for activating the card.
If your credit card requires activation, you may have various activation methods to choose from, such as over the phone or through your credit issuer’s mobile app. Your credit card may also come with a cardholder agreement that you should read carefully to learn more about your interest rate, available perks and rewards, and information on how to enroll in an online account, set up autopay and alert messaging.
United Business Card Review: 150k Miles & Great Perks
- Ben Schlappig
The UnitedSM Business Card is a popular business credit card and can prove to be an excellent value for many small businesses, so in this post I wanted to take a closer look at the card. There has never been a better time to pick up the card, given that its offering a new limited-time welcome bonus.
% Back On Inflight Purchases
For having the United Business Card you receive 25% back in the form of statement credits on purchases of food, beverages, and Wi-Fi, on United-operated flights when you pay with your United Business Card.
The statement credit should post within 24 hours of your eligible purchase posting to your statement.
Don’t Miss: Cabelas Credit Card Statement
How To Increase Your Credit Limit
A credit limit, also known as a credit access line or credit line, is the maximum amount of dollars you can spend on your credit card before having to pay off some of the balance. Depending on the credit card and how financially stable you are, credit limits can range from a few hundred dollars to tens of thousands of dollars.
Being smart about how you use your credit card and paying your bill on time and in full each month can help increase your credit limit and may improve your credit score. However, on the other hand, a higher credit limit can lead to overspending.
It’s important to keep in mind the following considerations when it comes to how your credit limit affects your credit score, how to ask for an increase and questions to ask yourself before doing so.
What Do I Put For Billing Address
How to Fill Out a Billing Address
Also Check: Macys.commymacyscard
What To Consider Before Requesting A Credit Limit Increase
Being approved for an increased credit limit gives you more money at hand to spend on what you need, but it also comes with a larger responsibility. Here are a few key things to consider before you request an increased limit.
- When you request a credit limit increase, this may result in a hard inquiry on your credit report if the lender obtains a copy of your credit score. But in some cases, a request may result in a soft inquiry, depending on your credit card issuer.
- Ask yourself if you’ll still be able to make payments on time and pay off your card in full, if you have a higher credit limit and spend more each month. If the answer is no, now may not be the best time for an increase.
- Also, consider your credit utilization ratio. If you have a higher credit limit and spend more each month, your utilization ratio could be higher, which could negatively affect your credit score.
Update Your Account Information In One Place
Easily update your contact information and preferences.
From “Profile & settings,” you can manage all of your contact information, including the email addresses, phone numbers and mailing addresses youve provided to Chase.
You can add privacy options to your account that will limit the way Chase shares your information.
We’re here to help you manage your money today and tomorrow
Don’t Miss: Valero.com/offer Pre-qualified Customer
How Long Does It Take To Get Approved For A Credit Card
The key to a fast approval is to make sure your credit history is in good shape before applying. Quick credit card approvals typically take place when your application is completely filled out and your credit score is sufficient to qualify. Do some research first and make sure you fit the criteria for approval.
An online application may be a faster way to get approved than sending a mail-in form. Either way, make sure all fields are filled out properly. Missing information could slow down the process and may require a manual review. Accurate information may speed up the approval process.
Where Do I Mail My Chase Credit Card Payment
Please include your name and full account number on your check or money order, and mail your payment to the address below. Please do not send cash. Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294. For overnight mail, send your payment to: Chase Card Services 201 N. Walnut Street De1-0153 Wilmington, DE 19801
You May Like: Citi Best Buy App
Here Are Some Of The Best Credit Cards You Can Get Today:
While theres no guarantee these options will get you a credit card today, theyll certainly give you your best chance. Dont forget that if you get approved for a Capital One card youll need to both already have another Capital One card open and have downloaded the app. Unfortunately, this option isnt available to every Capital One customer, but Capital One doesnt disclose who is eligible for instant card information. In the same way, all Amex cards give the potential for instant numbers, but arent guaranteed to give you one.
And if youre interested in a store card, make sure to ask if they offer instant use first. Lastly, when your physical card arrives by mail in 7-10 business days, be sure to activate it right away.
Other Credit Card Payment Options
Mail your check or money order with your name and account number to:
Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294
Note: Do not send cash.
For Western Union payments, please use the Code City WALNUT.
Note: It may take up to 7 days before the payment is reflected on your account.
We’re here to help you manage your money today and tomorrow
Recommended Reading: Citi Cards Best Buy
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
How Do I Check My Chase Credit Card Application
You can either check your Chase credit card application status online or by phone. To check your status online, head to Chase.com, log into your account, and click Application Status. When calling Chase, call the appropriate number below to check your application status:
- Personal credit cards: 1-800-432-3117
- Business credit cards: 1-888-269-8690
Don’t Miss: Carecredit Mastercard Rewards
United Business Card Benefits
The United Business Card has a huge welcome bonus and a fairly solid rewards structure for an airline small business credit card. The good news is that beyond that, the card has great perks as well.
This is true whether youre an occasional United flyer, or whether youre an elite member who is looking for extra perks. Heres what you need to know about all the benefits offered by the United Business Card.
High Credit Limits On Other Chase Credit Cards
If you own other Chase credit cards, your experience might be that your newer cards have lower initial credit limits than your first card. A single bank is only going to extend a certain amount of credit to each person depending on their current credit cards and annual income.
You may not qualify if your available credit limit is below the minimum initial limit. A prime example is the Chase Sapphire Reserve which has a minimum $10,000 starting limit. But if Chase is only willing to offer you up to $8,000 in new credit, you may not qualify for the Sapphire Reserve.
The easiest alternative can be choosing the Chase Sapphire Preferred that has a minimum $5,000 initial limit.
A second possibility can be seeing if Chase can reduce your credit limit on an existing card to qualify for a new card. This trick isnt guaranteed to work, but its a bargaining chip worth exploring if you really want a new card.
Recommended Reading: How To Check My Visa Balance
Check Chase Credit Card Application Status Online
Chase has some of the best travel credit cards. The quickest way to check your application status is by accessing your online Chase account.
Follow these steps to view your application status:
- Go to Chase.com
- Log into your Chase account
- Choose Application Status from the drop-down menu
After clicking the application status button, you can see your current application status. You might see additional steps you can take to continue the application process. For instance, you may need to call Chase to answer more questions or clarify certain details.
If the application status doesnt make sense, you can try sending a secure message to Chase customer service. Their response can provide a clearer picture of how soon you can receive an application decision.
Related Article: Best Chase Credit Cards
Locating The Account Number On Your Card
Read Also: Care Credit.com/mastercard
Two United Club Passes Annually
For having the card you receive two United Club passes annually. This includes the year where you open your card, and in any subsequent years. These will automatically be deposited into your Mileage Plus account within four weeks.
United Club passes ordinarily costs $59, so thats a value of up to $118.
How Long Does It Take To Get A Credit Card
How long does it take to get a ? In this age of online applications and near-instant approvals, the question doesn’t come up as frequently as it once did. The average Visa® or Mastercard® may be approved in minutes and shipped within days, provided you meet the credit criteria.
Specialty credit cards and high-end cards that require a higher credit score may take longer. Specialty cards, like business or student cards, are designed for people with very specific credit needs, as well as high-end cards, so this approval process could take longer to ensure that the potential cardmember qualifies. A manual review of your application may be required. In some cases, additional information, including proof of income, could be requested before final approval is granted.
You May Like: Close Credit Card Chase
What Is The Easiest Way To Activate A Credit Card
There are two main methods for activating a new credit card. If you value convenience and want to activate your card quickly, you may want to opt for activating your card over the phone or online. Remember to read over your cardmember agreement when you activate the card so that you can be aware of any finalized interest rate details and learn about any reward programs you can enroll in. This is also a good time to enroll in an automated payment schedule or sign up for an online credit card or mobile app account. Keep in mind that if you don’t activate a credit card, this doesn’t mean that the card isn’t affecting your credit score.
Earn Premier Qualifying Points Towards Status
Spending money on the United Business Card can help you earn MileagePlus status:
- Earn 500 Premier Qualifying Points for every $12,000 spent in a calendar year
- Earn up to 1,000 PQPs in a calendar year through the credit card
- The PQPs can be applied up to Premier Platinum status
Ultimately this wont get you that far towards status but is better than nothing. As a reminder, here are Uniteds regular elite requirements :
You May Like: Credit Cards That Pull Transunion Only
How Do I Add A Bill To My Chase Account
Stay up to date on the status of your payments and when money leaves your account. Sign in to Chase Online or the Chase mobile app and sign up for Chase Online Bill Pay. Choose Pay Bills in the navigation menu. Choose Add a payee or Manage payees, enter the requested info and complete the flow.
Anniversary Bonus Of 5000 Miles
Every year on your account anniversary you receive 5,000 bonus miles if you have this card in conjunction with a personal United credit card, like the United Explorer Card .
Thats a pretty awesome incentive to keep both a personal and business card, and frankly its a really smart incentive for United to offer, given that many personal and business cards have overlapping benefits.
Also Check: Jcpenney Mastercard Apr
Am I Eligible For A Credit Limit Increase
There are a few key factors your credit card company will look at when considering your eligibility for a credit limit increase. They will want to know if:
- You make on-time payments
- You make more than the minimum monthly payments or pay off your balance in full
Other factors that creditors may consider include:
- Whether you recently had changes to your income
- Your credit score
- Whether you’ve ever maxed out your credit card
- Your credit utilization ratio
- How long you’ve had the card open for
My Favorite United Airlines Personal Card
If youre looking for a personal United Airlines credit card, consider the United Quest Card, which for many this $250 annual fee card is more than worth it:
- The card is offering a welcome bonus of 80,000 MileagePlus miles
- The card offers some unique perks, like a $125 annual United credit, plus up to 10,000 miles reimbursed each year when redeeming miles on United for many, those two perks alone will more than offset the annual fee
Recommended Reading: Valero Rebate Gallons
$100 Annual United Travel Credit
Every anniversary year you can receive a $100 United Travel Credit on your United Business Card if you make at least seven United flight travel-related purchases, each totaling at least $100.
This includes purchases like seat upgrades, Economy Plus, inflight food, beverages, and Wi-Fi, baggage service charges, or other United fees.
The statement credit will post to your account within 24 hours of your seventh qualifying purchase of $100 or more.
Understanding When Your Payment Is Processed
The “” date is the effective date of your payment, which determines if your payment is made on time and is used for calculating interest.
The “posted” date is when your payment will be displayed online as a transaction in your account activity and applied to your account balance.
|If you make a payment online||Your payment will be credited||Your payment will be posted|
|Before 8 PM ET||
Well post it Sunday evening.
|Between 8 PM and 11:59 PM ET||The same day||
Except Friday Well post it Sunday evening.
If you pay at least the minimum amount due between 8 PM and 11:59 PM Eastern time and todays your due date, dont worry: Your payment will still be on time. Youll see a late fee on your account tomorrow, but well reverse it automatically when the payment posts in 1-2 days.
Note: Online payments referenced by this table are initiated by signing in and using the chase.com credit card payment option above. Payments made through other websites or other services within chase.com, including Chase Bill Pay, may have different processing times.
Read Also: Cabelas Visa Foreign Transaction Fee