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Regular Contributor
User273165
Posts: 133
Registered: ‎03-29-2009
0

Chase Freedom Card

What do you guys think about the Chase Freedom Card? Does anyone know what kind of credit you need to get the 12.99% interest rate? 

 

I am trying to decide if I should apply for the Chase Freedom or the AMEX Cash Everyday....

 

I will be buying mostly gas but some larger purchases every once in a while. Mostly an emergency card, so i'm looking for something with a large credit limit.

 

 

Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Chase Freedom Card

I didn't get the low end interest...I have the 20.99% APR after my promo period ends. CL is $4.5k.

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Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012
0

Re: Chase Freedom Card

I got 22.99% but I will ask for it to be reduced after the promotional period expires. so its no biggie.

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Chase Freedom Card

Amex has the higher possible apr of the two.  But offer the highest possible CL's.  Amex doesn't like it when you carry a balance for more than a few mo's as well. 

 

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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Chase Freedom Card

I agree. If you plan on carrying a balance e you should stay away from amex blue.cash or any amex card. Take a look at discover card. Ive had no issues with them regarding carrying a balance. They in fact offer good balance transfer deals occasionally.

Starting Score: 08/29/2011 TU 671 EQ 674
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Regular Contributor
User273165
Posts: 133
Registered: ‎03-29-2009
0

Re: Chase Freedom Card

I usually pay my cards off in full every month. Every once in a while I carry a small balance but it is for no more than 2 billing statements.

Valued Contributor
Dustink
Posts: 3,013
Registered: ‎10-02-2012
0

Re: Chase Freedom Card

The freedom comes with a 0% for 15 months. So the apr is pretty irrelevant. Just pay it off after the promo period.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k          $8.5K          Closed          $19k         $6.5k           $24.2k        Closed          $5k         Closed       $8.5k        Closed      @2.49%
Established Member
Joel282
Posts: 30
Registered: ‎10-30-2012
0

Re: Chase Freedom Card

Most people get the 22.99% rate and some will get the 20.99% rate. Rarely will anyone get the 12.99% rate. I have the 22.99% rate and have been asking for a year and a half for it to be lowered and they won't budge.
Valued Contributor
Dustink
Posts: 3,013
Registered: ‎10-02-2012
0

Re: Chase Freedom Card


Joel282 wrote:
Most people get the 22.99% rate and some will get the 20.99% rate. Rarely will anyone get the 12.99% rate. I have the 22.99% rate and have been asking for a year and a half for it to be lowered and they won't budge.

Have you tried the executive office?

 

If you have had the card for over a year then they should be willing to lower it.

 

Although as long as you are PIF, then it shouldn't be a problem. But I also hate seeing that high APR on any account.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k          $8.5K          Closed          $19k         $6.5k           $24.2k        Closed          $5k         Closed       $8.5k        Closed      @2.49%
Established Member
Joel282
Posts: 30
Registered: ‎10-30-2012
0

Re: Chase Freedom Card

I sometimes carry a balance of large purchases. I have 2 cards with them. A regular visa that was a old wamu account with a $2800 limit and a freedom visa with a $5000 limit. On the regular card my interest rate it 11.99% an on my freedom they won't budge from the 22.99%. I haven't tried the executive office there yet. Do you have a email for their executive office than you could PM me?

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