Reply
Contributor
Posts: 123
Registered: ‎03-29-2009
0

Changing from Freedom to Freedom Plus

[ Edited ]
Sorry, maybe its kinda off topic on myFico.com. But what is the criteria of going from normal Freedom (which I downgraded from a Freedom Visa Signature), to Freedom Plus?


edit: I split this off from "Best "road warrior" travel card?" as it was off on a tangent from OP's question, which didn't seem answered yet. The only thing that I changed was to insert a new thread title.

Message Edited by haulingthescoreup on 04-02-2009 02:54 PM
-----------------------------------------------------
FICO pulled by loan officer on 8/3/2009
EQ: 724
EX: 740
TU: 742
Frequent Contributor
Posts: 282
Registered: ‎03-26-2008
0

Re: Changing from Freedom to Freedom Plus


Eiso wrote:
Sorry, maybe its kinda off topic on myFico.com. But what is the criteria of going from normal Freedom (which I downgraded from a Freedom Visa Signature), to Freedom Plus?


edit: I split this off from "Best "road warrior" travel card?" as it was off on a tangent from OP's question, which didn't seem answered yet. The only thing that I changed was to insert a new thread title.

Message Edited by haulingthescoreup on 04-02-2009 02:54 PM

Under the regular Freedom rewards program, rewards are capped monthly. The Freedom Plus program does NOT cap your rewards. The Plus program has a $30 annual fee (no fee for regular Freedom), BUT if you heavily use the card, you will easily get this fee back and then some.

Contributor
Posts: 123
Registered: ‎03-29-2009
0

Re: Changing from Freedom to Freedom Plus

I've been using my Blue Cash since 1 year and a half ago. I spent about 20k-25k the first year and got $300 cash back. So far this year (~ 6 month), I have earned $200 cash back already. I know the information is not much in detail, so my questions are:

 

1) Would it be beneficial (more cash back) to charge entirely on the Chase Freedom Plus?

2) Should I accept being a Visa Signature card? (They offered me but I downgraded back for the credit line reporting issue that affects the credit score. But i like to use AMEX because it offers various protection and warranty benefits. Maybe Visa Signature offers the similar deals too?!)

 

-----------------------------------------------------
FICO pulled by loan officer on 8/3/2009
EQ: 724
EX: 740
TU: 742
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.