Are you a Chase credit card user? Did you know that you can check your Chase credit score within their services anytime you want and as often as you wish?
Yes, Chase already made that possible. Even if you are not a Chase account holder, you may do so. All you need is to register for the Chase Credit Journey website and you are all set. You may use the site to check your credit score. And you know what, there’s more to it than meets the eye. Let me tell you all about it here.
How to check your Chase credit score
There are two ways where a person can check his or her credit score. The one is for the already members of Chase via their online page. And the other one is for Chase Business Customers and non-members. Although they are different in terms of status, they will still be using the same Chase Credit Journey platform. Here is how it goes.
- First, open your web browser. You can use your smartphone, laptop, or PC with this. And any browser will do.
- Type in your browser’s address bar this: https://creditcards.chase.com/free-credit-score
- On the Chase page that will appear, log in if you already are registered with the Chase Credit Journey. Or you may sign up one time to get an access. The same goes for both Chase account holder and non-members.
- Once you are registered, sign in to the Chase Credit Journey page.
- Fill up the required information plus the click the one-time consent button.
- After that, you may now view your credit score history as well as other features such as email notification about your recent credit-related activities.
Factors that affect credit score
In case you are wondering how credit scoring gets evaluated, we can tell you the basic things on how it works. It’s simple yet in real life, sometimes you just couldn’t keep at it. Here are the things that affect your Chase credit score.
What positively affects your credit score?
- Using less than 30% of your credit limit. If you spend less using your credit card that means you have a well-balanced lifestyle. Your income can well support your expenditures and therefore, you can actually pay your charges.
- On-time bill payments.
- A long and diversified credit history.
What negatively affects your credit score?
- Too many requests for new credits
- Late bill payments. No matter what your reasons are, once you are late paying your bills, it stays and gets on your credit record. So as much as you can, try to make amends with your due dates. Or else, you will accumulate bad records on your credit history.
- Spending more than 80% of your credit limit.
Your credit score is important if you want financial companies to trust you and give you access to their services. Your Chase credit card application status will be affected greatly if you have a bad credit score.
Although there are some circumstances that cannot be helped when it comes to financial ins and outgoings. But always try to make an effort to pay on time and spend only the amount that you can afford. Otherwise, you will be paying an amount that is in way over your head. If you want to know more, you may just contact Chase Customer Service hotline.
In today’s question, how do you find Chase Credit Journey compared to other credit score checking services? Is it accurate and reliable? Should you recommend it to other people like your friends and family? Tell us your thoughts in the comment section below to help others learn about this Chase overall quality of service.