Reply
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: Chase Freedom Visa Signature


shinedown87 wrote:
So, has anyone successfully converted a their Freedom to a Visa Signature in less than 13 months?

+1 

 

I want to convert my Freedom into a siggy.

 

But from what i've read here some people have a freedom past 5k and are not issued a signature and some cannot convert theirs even past 13 months.

 

Is there a certain requirement in order to convert into a visa sig, besides the 5k?

 

My freedom is currently 5k  and i want to convert it in May (13 months). 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011

Re: Chase Freedom Visa Signature

Maybe others will chime in, but I had to wait 13 mos...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
New Member
Chris77
Posts: 1
Registered: ‎02-23-2013

Re: Chase Freedom Visa Signature

I just got off the phone with Chase asking to upgrade my Freedom card to Signature.  My limit is $14,700 and I've had the card more than 5 years.  I use it fairly regularly and average around $10,000 annual spending on the card.  Never late on a payment.

 

The rep put me on hold a minute and came back to say that Visa wouldn't approve the upgrade.  I asked why that might be, and she said she didn't have that information.

 

My credit score is in the low 700's after a short sale in 2010, but that's the only thing I can think of that would have held me back.

 

Does Visa enforce minimum FICO requirements for Signature, as well as the CL and account age requirements?  Is it worth appealing the decision with Chase or does Visa have the final say regardless?

Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Chase Freedom Visa Signature

do you have the 5k limit for 13 months? or just the card?

 

im about to be at 8 months and was planning on asking for a cli at about a year and a half to match my other cards. (5k) and get the visa siggy, otherwise wont even waste the hardpull.

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Gunnar419
Posts: 1,119
Registered: ‎01-23-2013

Re: Chase Freedom Visa Signature

[ Edited ]

Chris77 wrote:

Does Visa enforce minimum FICO requirements for Signature, as well as the CL and account age requirements?  Is it worth appealing the decision with Chase or does Visa have the final say regardless?


 

I don't know about Chase policies, but I got a Visa signature card from another bank with a 720 Experian score just last month. So I don't think you're running into a Visa-imposed score requirement. But I also had no baddies at all on my record unless you count slightly high util.

Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: Chase Freedom Visa Signature

I found it very odd because some are approved for a visa sig right of the bat when they apply and some aren't even if the pass the 5k limit. I heard some not being able to upgrade to the vis sig even after having their cards for years. I wonder if you are suppose to have another card with visa sig before upgrading it. It might help your odds.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: Chase Freedom Visa Signature

My father has a 800+ score and a Freedom that has been open since 01 with a 18k limit.  We called a couple of months ago to see if they would convert it to a Siggy and they said no.  He opened a CSP with 80k credit limit so it definitly has nothing to do with credit qualifications.  Maybe there is a spending requirement that no one mentions.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Frequent Contributor
_jb_
Posts: 306
Registered: ‎01-16-2013

Re: Chase Freedom Visa Signature

I agree that it has nothing to do with credit score/history specifically. I opened my 2nd CC back in September 2012, a NFCU cashRewards Visa Signature for $25,000. Prior to that I only had one other CC, a Capital One Platinum with a $1,500 CL. My score at the time was mid-high 600's (not sure of exact score). I was (am) making low six figure salary though - maybe it has something to do with that? It is puzzling to say the least.


Starting Scores: myFICO EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Contributor
Petraeus
Posts: 88
Registered: ‎05-21-2013

Re: Chase Freedom Visa Signature

[ Edited ]

Does anyone have other backdoors besides the sticky or know of other success stories on this? What I find odd is chase's direct refusal to provide info regarding denials.

FICO® Avg: 732 (11/2013)
Notable CC: AMHFCU® PLATINUM MASTERCARD $25K | Chase Marriott Rewards SigVisa $12K | AmEX PRG NPSL | BoA Cash Rewards Signature® Visa $12K | AmEX BCE $9K | Citi Diamond Preferred $10K | Chase Freedom Signature Visa $5K | BoA Travel Rewards® Signature® Visa $5K
Current Overall CL: $139K | UTL: 18% | AAoA 3yrs | Gardening since 11/26/2013
Future CC: Chase Sapphire Preferred Visa Signature®
Future CLI: AmEX BCE 2/2014 | Fico goal: 760+
Frequent Contributor
hutchj
Posts: 387
Registered: ‎06-15-2013

Re: Chase Freedom Visa Signature

[ Edited ]

I'm hopeful that my Freedom will be a Visa Sig. My Sapphire was a Visa Sig. when I received it, so I'm hoping I still meet the criteria they have set for the Sig like I did in Sept. 2012. But who knows, there are more inquires on my account now. I guess we'll see. I'm going to call and ask if my card is going to be Visa Sig because I'm too impatient to wait for the card to come at the end of the week or the beginning of the next week.

 

-----

 

EDIT: Just got off the phone with Chase Freedom rep and he said my card is a Visa Sig. I'm very happy about that.

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+