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Member
Posts: 8
Registered: ‎08-02-2009
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Chase Freedom Card

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.

Airborne All the Way!!!!
Valued Contributor
Posts: 1,668
Registered: ‎02-18-2009
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Re: Chase Freedom Card

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

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: Chase Freedom Card

 


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.


 

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.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Member
Posts: 8
Registered: ‎08-02-2009
0

Re: Chase Freedom Card

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!!!!!

Airborne All the Way!!!!
Valued Contributor
Posts: 1,668
Registered: ‎02-18-2009
0

Re: Chase Freedom Card


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!!!!!


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.

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
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Valued Member
Posts: 27
Registered: ‎01-20-2011
0

Re: Chase Freedom Card

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

 

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