Chase Freedom Card

[adwhit1]

Hey does any one have any information on the Chase Freedom Card? I got a pre-approval from them, and wanted to get some information from other consumers who physically have the card before I waste a pull. Pros, Cons, and everything in between.

[Anonymous]

If you are active duty you should pursue a Navy Federal membership

[vish1]

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@adwhit1 wrote:

Hey does any one have any information on the Chase Freedom Card? I got a pre-approval from them, and wanted to get some information from other consumers who physically have the card before I waste a pull. Pros, Cons, and everything in between.

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I have a freedom and i like it. $100 cash back on 800 spend in first 3 months. 5% on select categories (revolving). No AF.

I like it.

[adwhit1]

I'm on top of that. I've been a loyal NFCU member for 3yrs now. They are very good to me being that they are still my "other" bank...USAA is my primary institution. I was just asking because of the pre approval. I don't think I'm going to apply anyway, I'm looking to purchase my first home once I get back to Ft. Bragg. AIRBORNE!!!!!

[Anonymous]

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@adwhit1 wrote:

I'm on top of that. I've been a loyal NFCU member for 3yrs now. They are very good to me being that they are still my "other" bank...USAA is my primary institution. I was just asking because of the pre approval. I don't think I'm going to apply anyway, I'm looking to purchase my first home once I get back to Ft. Bragg. AIRBORNE!!!!!

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FYI:

NFCU is much more willing to extend credit then USAA, they are less strict and are also more friendly I feel. If NFCU offered deposit at home they would be my main bank and USAA my secondary. The only reason USAA should be a contender is if you use them for more insurance products then Auto and plan on building on a long term relationship with the subscriber benefit.

NFCU offers a GEICO discount that has for many people been cheaper then USAA auto policies.

The Chase card is not a bad deal, but an unnecessary inquiry before a home purchase is a bad idea.

BTW: NFCU trends to be friendlier to Domestic partners (Straight and gay) and other unconventional relationships, where USAA is decidely unfriendly.

[Gabo]

Check your credit report, check the last time chase soft pull your report it nothing change on your credit report since, you most likely to get approve.

Former Chase employee in Arizona now BofA