Reply
New Contributor
Posts: 55
Registered: ‎11-08-2009
0

Chase Platinum = Chase Freedom?

Just curious, wanted to ask this a few months ago but never got around to it. I applied for for a Chase Freedom MasterCard was approved and for the welcoming email i got a few days later it said Chase Platinum instead of Chase Freedom.

Starting Score: (1/22/2010) TU 759, Eq 742
Current Score: (6/22/2010) TU 724, Eq 735
Goal Score: (1/01/2011) TU 800, Eq 783


Take the FICO Fitness Challenge
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Chase Platinum = Chase Freedom?


IIIII wrote:
Just curious, wanted to ask this a few months ago but never got around to it. I applied for for a Chase Freedom MasterCard was approved and for the welcoming email i got a few days later it said Chase Platinum instead of Chase Freedom.

 

Not the same card. Platinum = no rewards, Freedom = rewards.
Regular Contributor
Posts: 139
Registered: ‎05-19-2008
0

Re: Chase Platinum = Chase Freedom?

Chase Platinum was changed to Chase Slate (which, of course, doesn't have any rewards)
***From ashy to classy***
Frequent Contributor
Posts: 253
Registered: ‎09-01-2009
0

Re: Chase Platinum = Chase Freedom?

Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?
New Contributor
Posts: 55
Registered: ‎11-08-2009
0

Re: Chase Platinum = Chase Freedom?

[ Edited ]

I guess Chase just made a mistake, i did receive a Chase Freedom Card and thats what i applied for but got the Chase Platinum welcome email.

 

 

Going to see about doing a product change to the Sapphire in a few months. Anybody had any luck with that?

Message Edited by IIIII on 11-18-2009 07:59 AM

Starting Score: (1/22/2010) TU 759, Eq 742
Current Score: (6/22/2010) TU 724, Eq 735
Goal Score: (1/01/2011) TU 800, Eq 783


Take the FICO Fitness Challenge
Senior Contributor
Posts: 4,267
Registered: ‎05-01-2008
0

Re: Chase Platinum = Chase Freedom?


FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?

What are your scores & baddies?



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Chase Platinum = Chase Freedom?


FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?

 

Platinum now Slate, but if you do not have pretty good credit I would not waste an app.
Frequent Contributor
Posts: 253
Registered: ‎09-01-2009
0

Re: Chase Platinum = Chase Freedom?


BungalowMo wrote:

FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?

What are your scores & baddies?


My scores aren't satisfactory yet (663 TransUnion FICO, 644 Equifax FICO, and 654 Experian PLUS) but they've been improving every month. But I was thinking that at least 6 months - 1 year from now I'd apply for a Chase card since acquiring a Chase credit card is one of my main goals since I've been banking with them since 2003.. I've got my utilization under control. TransUnion has it at 4%, Equifax has it at 3% and Experian has the percentage of my Revolving Credit Available as 97%. I plan on maintaining and even lowering the utilization percentages over the course of the next few months in hopes of bettering my scores.

 

My baddies are a bunch of late payments on my student loan. The worst of which happened sometime between 2003 - 2005.. The most recent ones are over a year old. On the plus side, one of my student loans is about to get obliterated early next month and then I can focus on getting rid of the second loan, hopefully before the new year.

 

I wasted an inquiry applying for the Amazon visa (what the hell was I thinking??) and Chase sent me a denial letter stating that I had too many recent inquiries. They didn't even mention any of the baddies.Same thing with Capital One, so that gives me a little bit of hope. :smileyhappy:

Frequent Contributor
Posts: 253
Registered: ‎09-01-2009
0

Re: Chase Platinum = Chase Freedom?


creditwherecreditisdue wrote:

FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?

 

Platinum now Slate, but if you do not have pretty good credit I would not waste an app.

Yeah, I plan on holding off for a while. I currently have 5 cards (MasterCards and store cards) that I'm currently building some positive credit history with and hoping to reap the FICO rewards down the line. I always got the feeling that Chase was somewhat of a tough bank to get credit with so I'd like for my credit profile to look pretty decent before going full steam ahead and applying with them.

Regular Contributor
Posts: 139
Registered: ‎05-19-2008
0

Re: Chase Platinum = Chase Freedom?

[ Edited ]

FicoScore626 wrote:

BungalowMo wrote:

FicoScore626 wrote:
Which one is their most basic card? Basically the card that people with good but not excellent credit stand a chance of getting approved for?

What are your scores & baddies?


My scores aren't satisfactory yet (663 TransUnion FICO, 644 Equifax FICO, and 654 Experian PLUS) but they've been improving every month. But I was thinking that at least 6 months - 1 year from now I'd apply for a Chase card since acquiring a Chase credit card is one of my main goals since I've been banking with them since 2003.. I've got my utilization under control. TransUnion has it at 4%, Equifax has it at 3% and Experian has the percentage of my Revolving Credit Available as 97%. I plan on maintaining and even lowering the utilization percentages over the course of the next few months in hopes of bettering my scores.

 

My baddies are a bunch of late payments on my student loan. The worst of which happened sometime between 2003 - 2005.. The most recent ones are over a year old. On the plus side, one of my student loans is about to get obliterated early next month and then I can focus on getting rid of the second loan, hopefully before the new year.

 

I wasted an inquiry applying for the Amazon visa (what the hell was I thinking??) and Chase sent me a denial letter stating that I had too many recent inquiries. They didn't even mention any of the baddies.Same thing with Capital One, so that gives me a little bit of hope. :smileyhappy:


You should recon...I have plenty of baddies (4 on EQ, 16 on TU, 4 on EX...all older than 2 years) and I was originally denied by Chase, with scores very similar to yours (I applied approx. 3 weeks ago).  I called in explained everything, and basically asked for a "shot" and a low limit, and they gave me a $1500 Chase Slate...which I converted to a Chase Freedom (since it also has Blueprint along with the Rewards)

Message Edited by BP2003 on 11-18-2009 10:04 AM
***From ashy to classy***
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.