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Member
Aoi
Posts: 35
Registered: ‎08-03-2010
0

Chase Freedom: Visa or MC?

What kind Chase Freedom Card did you get? The Visa or the Mastercard?

I could have sworn that I asked for the MC when I applied, but end up with a Visa Signature that doesn't report Credit Limit.

 

Is there a way to ask to change from the Visa to the MC? (Reasons being, MC might report CL if it's not the World MC, and overall variety, I'd wanted 1 Visa, 1 Amex, and 1 MC instead of 2 Visa)

 

Thanks!

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8/2010 TU: 718 EQ: 721
Thank you myFICO forums!
Established Contributor
jefftca925
Posts: 687
Registered: ‎08-14-2008
0

Re: Chase Freedom: Visa or MC?

I'd call Chase to ask them for a switch to a Freedom MC (not World MC).  Chase loves to give out those siggie cards (I have 2 from them) if they can.  The banks collect higher merchant fees on those cards.  They are definitely PIF cards because of how they report but they do have their benefits too.

CCs: Chase Freedom World MC 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom Visa Sg 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sg 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sg 13k, Chase Marriott Visa Sg 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF Visa Sg 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates Visa Sg 8k FICOs as of June '14...EQ 808 TU 804 EX ?
Member
Aoi
Posts: 35
Registered: ‎08-03-2010
0

Re: Chase Freedom: Visa or MC?

Thanks! Will try and update :smileyhappy:

-------------------------------------
8/2010 TU: 718 EQ: 721
Thank you myFICO forums!
Member
Aoi
Posts: 35
Registered: ‎08-03-2010
0

Re: Chase Freedom: Visa or MC?

Called Chase Customer Service twice, the first one said, they will check with the underwriting dept? see if it can be done. Called again today, and the rep told me that they don't change visas to mastercards anymore.

 

Any ideas?

Thanks!

-------------------------------------
8/2010 TU: 718 EQ: 721
Thank you myFICO forums!
Epic Contributor
Creditaddict
Posts: 20,168
Registered: ‎10-23-2007
0

Re: Chase Freedom: Visa or MC?

you would have to probably do a complete product change away from the Freedom card if that's the case.  Can't you at least get them to downgrade you out of the signature product into a regular visa so cl reports.  My freedom is Freedom Plus non signature card.

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Chase Freedom: Visa or MC?

FWIW, I converted my Chase Platinum Visa to a Chase Freedom Visa not long ago. It is reporting my CL and it is not a signature card.

Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Established Member
Cbateman1
Posts: 23
Registered: ‎03-31-2010
0

Re: Chase Freedom: Visa or MC?

As to which card you get my personal banker at chase told me that if you apply On-line they are more likely to give you the mastercard and sometimes request the visa... If you apply in branch however they always give out Visa's

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: Chase Freedom: Visa or MC?

I had a Chase Borders Rewards Visa, and when they ended that program, they switched me to a Freedom Visa.

 

It took forty-'leven years for it to start offering the special rewards categories, but they finally let me in from the cold.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Member
Aoi
Posts: 35
Registered: ‎08-03-2010
0

Re: Chase Freedom: Visa or MC?

[ Edited ]

Just an update,

 

I received the letter from Chase Cardmember Service (on the same day that Citibank sent me my new credit card approval letter + terms and conditions, which I thought was just amusing)  :

 

Dear Aoi:

 

Your satisfaction is important to us, and we always strive to ensure that our customers have the flexibility to take advantage of the many different credit card products we offer. We have noted your recent request to switch your current account, noted above, to a different product that better meets your need.

 

We regret that we are unable to accommodate your request at this time due to certain provisions of a new federal law which became effective on August 20, 2009. While our longer term goal is to restore and preserve our ability to help customers switch to products that better meet their needs, it will take us some time to make changes to ensure compliance with these new requirements.

 

For now, we can offer you the alternative of applying for this new product by calling the toll-free number on the back of your card or by visiting our Website noted on the back of your card. If you are approved for this new account, you would have the option to maintain both accounts or close your current one and pay off that balance over time.

 

We apologize for this inconvenience and hope you will consider this alternative to meet your immediate needs. We know that you have choices in financial products, and we thank you for choosing us as your financial services provider.

 

Sincerely,

 

Chase Financial Service Advisor

 

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8/2010 TU: 718 EQ: 721
Thank you myFICO forums!
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
0

Re: Chase Freedom: Visa or MC?

I called Amex and see if they can change my Platinum card to Gold. CSR said, due to the new laws,  I have to wait 13 months before I can ask for the product change or I can apply for a new gold card. I guess it is same with all the companies now a days. I was going to call Chase and ask them if they would convert my freedom card to saphire card. I guess it is probably out of question now due to the new regulations.


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