topic Re: Chase Freedom - Was I upgraded? in Credit Cards

Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 07:45:43 GMT

I checked my reports today and saw:

1 item removed: Chase Freedom

1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'

Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit'

Did I get upgraded to a Visa Signature? I've only had the card 9 months.

I assume this is a good thing? Or am I being handed rope to hang myself with?

I have been carrying a balance on the card taking advantage of the 0% but making large payments each month (will be PIF March well before 0 offer ends) and making sure they get their share of card swipe fees each month.

No messages from Chase regarding but it took a month or so before they told me they'd bumped up my CL too.

Re: Chase Freedom - Was I upgraded?

Credit_hawk — Mon, 14 Dec 2015 08:07:14 GMT

Sounds to me like you've got yourself a Visa Signature. That is assuming you have at least a 5k limit.

I have a Freedom Signature myself and that is the way it is listed on my reports.

Re: Chase Freedom - Was I upgraded?

lg8302ch — Mon, 14 Dec 2015 08:13:56 GMT

It looks like an upgrade to a signature card to me too .... hopefully it is not just a reporting error. Customer initiated upgrade requests require 1 year history but this probably would not apply if Chase is offering the upgrade. Congrats if this is the case

Re: Chase Freedom - Was I upgraded?

msbia — Mon, 14 Dec 2015 08:19:26 GMT

Yes, congrats on your VS upgrade. That is exactly how it happened for me last month when my card turned a year old. A note though: you will have to call or send a SM requesting a new VS card, or else they will let your current one expire before sending. I received mine two weeks ago. Enjoy your new Freedom status!

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 08:28:48 GMT

@Anonymous wrote:
I checked my reports today and saw:
1 item removed: Chase Freedom
1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'
Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit'

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 09:25:20 GMT

@Anonymous wrote:
@Anonymous wrote:
I checked my reports today and saw:
1 item removed: Chase Freedom
1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'
Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit'

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

"Credit Access Line" [Personal] or "Revolving Credit Line" [Business] means you have moved to the Visa Signature level and Chase sticks to the you must be qualified for the $5K credit limit first. Note, there are some postings on this site where people have re-allocated Chase credit lines/limits and they keep their Visa Signature even though they traded limits and dropped below the $5K Chase rule.

Re: Chase Freedom - Was I upgraded?

lg8302ch — Mon, 14 Dec 2015 09:36:34 GMT

@Anonymous wrote:
@Anonymous wrote:
I checked my reports today and saw:
1 item removed: Chase Freedom
1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'
Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit'

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

Nope... mine was issued as regular and at that time it said credit limit ... is yours a Signature ? I believe I saw some high limits which had not been issued as Signature cards... mine was 5K and not a Siggy at the beginning

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 09:58:13 GMT

@lg8302ch wrote:
@Anonymous wrote:
@Anonymous wrote:
I checked my reports today and saw:
1 item removed: Chase Freedom
1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'
Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit'

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....
Nope... mine was issued as regular and at that time it said credit limit ... is yours a Signature ? I believe I saw some high limits which had not been issued as Signature cards... mine was 5K and not a Siggy at the beginning

Yes, forgot about this and it happened to me. They did not issue the card as a Visa Signature even though the limit was way over the $5K requirement. Also, had to have the account over a year ... forgot about that. One plus, it took them a week to evaluate my account but no HP was made!

Re: Chase Freedom - Was I upgraded?

Imperfectfuture — Mon, 14 Dec 2015 09:56:30 GMT

@lg8302ch wrote:
It looks like an upgrade to a signature card to me too .... hopefully it is not just a reporting error. Customer initiated upgrade requests require 1 year history but this probably would not apply if Chase is offering the upgrade. Congrats if this is the case

Same happened to me lg, Nov 23 is when the alerts went out. Congrats OP. I got my card last March, same time as Aviator.

Re: Chase Freedom - Was I upgraded?

lg8302ch — Mon, 14 Dec 2015 10:08:13 GMT

@Imperfectfuture wrote:
@lg8302ch wrote:
It looks like an upgrade to a signature card to me too .... hopefully it is not just a reporting error. Customer initiated upgrade requests require 1 year history but this probably would not apply if Chase is offering the upgrade. Congrats if this is the case
Same happened to me lg, Nov 23 is when the alerts went out. Congrats OP. I got my card last March, same time as Aviator.

So it looks that Chase does account reviews and changes terms....congrats... .so there is still hope for my 22,99% APR... ha ha ha

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 12:06:38 GMT

pleasant surprise, congrats. Chase may be feeling the Christimas spirit, I got an auto cli last week.

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 13:14:09 GMT

Mine was always a Signature. Online on the summary page is says "Total Credit Limit" but on the statement it is "Credit Access Line"

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 13:20:29 GMT

Thank you all. I'll have to look online to see what extra perks there are. I think one of the threads mentioned Fandango ticket discounts which could be handy.

Re: Chase Freedom - Was I upgraded?

olehammer — Mon, 14 Dec 2015 14:01:20 GMT

Congrats @notgoddess! may I ask what your SL was on the account? I got my freedom in November at SL $4500. I'll need to time out a CLI before end of next year to be up for an upgrade.

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 14:41:49 GMT

@olehammer wrote:
@Congrats @Anonymous! may I ask what your SL was on the account? I got my freedom in November at SL $4500. I'll need to time out a CLI before end of next year to be up for an upgrade.

I started at $3000, spending habits 15+ swipes/mo for smallish amounts (<150) plus a few larger (500+), using Blueprint to PIF small charges and pay down larger ones. Got close to limit a few times but would post extra payments before statement.

In Sept. auto CLI to 6000, spending habits 5-10+ smallish swipes, no large amounts, blueprint same settings. Util around 15% right now. Was as high as 90%, paid down after statement posted (to get a 'high balance' near limit reporting).

Re: Chase Freedom - Was I upgraded?

olehammer — Mon, 14 Dec 2015 15:35:19 GMT

Awesome and thanks for the details! I've setup all of my recurring bills to hit this one as well as some swipes so I'll have a lot pumping through.

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 18:07:31 GMT

@Anonymous wrote:
Mine was always a Signature. Online on the summary page is says "Total Credit Limit" but on the statement it is "Credit Access Line"

Thanks a lot for clarifying this lurker. Just got to wait for my statement or tradeine to report to CR.

I got mine as a signature and it says total credit limit as well. Maybe it only changes for those who upgraded?

Re: Chase Freedom - Was I upgraded?

Anonymous — Mon, 14 Dec 2015 20:00:53 GMT

Would the slate qualify as well or is it just freedom.

Re: Chase Freedom - Was I upgraded?

Anonymous — Tue, 15 Dec 2015 02:12:17 GMT

Update - got a letter from Chase today.

"Because you're a valued cardmember, your Freedom account has been upgraded to include exceptional new Visa Signature benefits as of November".

Says they'll send out a new card in the next year, but I can use my existing one for the benefits, so no rush.

Re: Chase Freedom - Was I upgraded?

Anonymous — Tue, 15 Dec 2015 02:15:05 GMT

@Anonymous wrote:
Would the slate qualify as well or is it just freedom.

I don't know if the Slate has a Signature Visa. But if your CL is more than 5k you could ask about a product change to turn it into a Freedom VS, I would think.