topic Re: Circuit City Credit Card in Credit Cards

Circuit City Credit Card

Roxlie — Fri, 16 Jan 2009 21:51:46 GMT

Now that Circuit City will be liquidating all their US stores, does anyone think it would be possible to request a product change to another Chase card?

I've had it less than a year and it has a $1500 limit with a 300ish balance, but it's a store branded card, not a Visa.

Anyone think that's possible?

Re: Circuit City Credit Card

Creditaddict — Fri, 16 Jan 2009 21:52:47 GMT

So far I have repeatedly been told NO!

I did get them to upgrade the card to visa, but so far no product change.

Re: Circuit City Credit Card

Roxlie — Fri, 16 Jan 2009 21:54:48 GMT

Thanks CA..that might be the best way to go then! I'll give them a call in a few days and see what they say.

Re: Circuit City Credit Card

Creditaddict — Fri, 16 Jan 2009 22:10:54 GMT

OMG, Happy Dance... they just product changed me to the Freedom Mastercard.

The mastercard version of the freedom card has a $30 annual fee but still offers 3% on top 6 categories, unlike the visa version which just offers 1% across the board now.

WOOHOOO

Re: Circuit City Credit Card

Creditaddict — Fri, 16 Jan 2009 22:13:05 GMT

Chase Freedom Plus Platinum Mastercard!!

Re: Circuit City Credit Card

oracles — Fri, 16 Jan 2009 23:32:50 GMT

WTG CA, i am so happy for you

I have this card and this is my #1 card. I have gotten some nice cash back checks because of the amount i spend on this card.

You are going to love this card.

I love this card

The $30 dollar annual fee is worth it and i dont have to pay until my first year anniversary.

Re: Circuit City Credit Card

Mark_in_Pasadena — Fri, 16 Jan 2009 23:58:33 GMT

Chase Freedom and Chase Freedom Plus cards don't have any annual fee if you apply through their website directly: https://www.chase.com/ccpmweb/card_servicing/document/credit-cards-at-chase.html

Click on the Pricing & Terms for either one and you'll see plain and clear:

Annual fee

None

It doesn't say, waived for the first year, then $30 after as both of you are claiming.

Is this $30 annual fee only for conversions from the Circuit City card, or are you wrong?

Did they do a hard pull to convert you from Circuit City to Chase Freedom?

Message Edited by Mark_in_Pasadena on 01-16-2009 03:58 PM

Re: Circuit City Credit Card

oracles — Sat, 17 Jan 2009 01:38:25 GMT

@Mark_in_Pasadena wrote:
Chase Freedom and Chase Freedom Plus cards don't have any annual fee if you apply through their website directly: https://www.chase.com/ccpmweb/card_servicing/document/credit-cards-at-chase.html

Click on the Pricing & Terms for either one and you'll see plain and clear:

Annual fee
None

It doesn't say, waived for the first year, then $30 after as both of you are claiming.

Is this $30 annual fee only for conversions from the Circuit City card, or are you wrong?
Did they do a hard pull to convert you from Circuit City to Chase Freedom?

Message Edited by Mark_in_Pasadena on 01-16-2009 03:58 PM

Mark, in your link, there is no mention of the chase freedom PLUS card. Only the regular Freedom card that i can see. I could be mistaken and just did not find it.

You can also do much research on here to see that anyone who has the freedom Plus card states there is an AF after the first year. Everyone can not be incorrect on here.

Just a suggestion, if you think a person is mistaken, it is more customary to ask if the person is sure or maybe somewhat mistaken, then to directly say you are wrong.

We are all here to help and be supportive and if someone, (and in this case we are not) mistaken, please be a little more cordial. We can learn much from you (and vice versa) with your experience, but the manner in which it is distributed can be better.

Thanks

Message Edited by oracles on 01-16-2009 07:14 PM

Message Edited by oracles on 01-16-2009 08:38 PM

Re: Circuit City Credit Card

Anonymous — Sat, 17 Jan 2009 00:21:45 GMT

@Roxlie wrote:
Now that Circuit City will be liquidating all their US stores, does anyone think it would be possible to request a product change to another Chase card?

I've had it less than a year and it has a $1500 limit with a 300ish balance, but it's a store branded card, not a Visa.

Anyone think that's possible?

I was told no about two months ago. Then, without notice, they just cancelled my card. Of course, I had never used it and it was a year old. ;-) C'est la vie. I had just gotten a $6,000 Freedom Plus card, and was hoping to move the CL from the Circuit City card, but no go. Oh, well. Since my WAMU just converted to Chase, I guess I'll see if they can move that CL to the Freedom Card. I just LOVE that card!

Re: Circuit City Credit Card

Creditaddict — Sat, 17 Jan 2009 01:33:52 GMT

@Mark_in_Pasadena wrote:
Chase Freedom and Chase Freedom Plus cards don't have any annual fee if you apply through their website directly: https://www.chase.com/ccpmweb/card_servicing/document/credit-cards-at-chase.html

Click on the Pricing & Terms for either one and you'll see plain and clear:

Annual fee
None

It doesn't say, waived for the first year, then $30 after as both of you are claiming.

Is this $30 annual fee only for conversions from the Circuit City card, or are you wrong?
Did they do a hard pull to convert you from Circuit City to Chase Freedom?

Message Edited by Mark_in_Pasadena on 01-16-2009 03:58 PM

When Chase freedom first came out it was 3% on top 3 categories, then they stopped that program I believe in Oct 08 for all NEW applications, to just be 1% across the board instead of the 3% and I thought that was the end of it...(that was no annual fee). but it turns they released the FREEDOM PLUS card that does charge the $30 AFTER first year, this card gives you the 3% on the top 6 categories.

obviously even if I use the card just a little bit, the $30 is way worth itself

Re: Circuit City Credit Card

Anonymous — Sat, 17 Jan 2009 01:36:20 GMT

Grats creditaddict

IM SUPER JEALOUS!

Re: Circuit City Credit Card

Creditaddict — Sat, 17 Jan 2009 01:48:12 GMT

sorry forgot about the hard pull.... You can product change with Chase I think every 30 days if you want, the CSR have certain cards in the system that they can product swap out for you, but if it's there and you want it, your apr changes and your rewards of course depending what card you change to but it's painless and no credit check.

although this freedom plus is at 13.24 i think, thats lower than the 16 something we had on circuit city.

the regular freedom was 9.24, so after a few months of using the card and getting the balance paid off I'm asking for lower.

same as southwest!

Re: Circuit City Credit Card

haulingthescoreup — Sat, 17 Jan 2009 02:15:48 GMT

You can't product change all Chase cards. Borders Visa is an example.

But Chase is great about letting you do a product change when the underlying company goes belly up, or when their agreement comes to an end. So I'm waiting for Barnes and Noble to buy out Borders so that I can do the same, lol. (I'm certainly not holding my breath, though. More likely the other way --Borders buying out B&N.)

Re: Circuit City Credit Card

Creditaddict — Sat, 17 Jan 2009 02:19:11 GMT

yeah my dad has an old platinum card too that they say is NEVER eligible for product changes... so there are some exceptions

Re: Circuit City Credit Card

Mark_in_Pasadena — Sat, 17 Jan 2009 02:53:51 GMT

@Creditaddict wrote:
but it turns they released the FREEDOM PLUS card that does charge the $30 AFTER first year, this card gives you the 3% on the top 6 categories.

Neither Freedom Plus or the Freedom Card charge an annual fee, ever...at least not for new members per the link that I provided above.

Re: Circuit City Credit Card

Anonymous — Sat, 17 Jan 2009 02:59:05 GMT

I just got a dead end on my rewards card. The CSR was very nice but had a canned speach about how a letter would be going out. Some of the CC accounts would be converted on a case by case basis, etc. Nothing he could do now except give me the speach. He made it sound like good customers would be retained but who knows. They may be belly up by the time the letter gets sent out.

Edited for slack typing

Message Edited by contractor on 01-16-2009 06:59 PM

Re: Circuit City Credit Card

haulingthescoreup — Sat, 17 Jan 2009 03:05:35 GMT

Wow, that cold economic wind comes whistling through again!

fingers crossed for ya, and anyone else waiting this out...

Re: Circuit City Credit Card

oracles — Sat, 17 Jan 2009 03:11:19 GMT

@Mark_in_Pasadena wrote:
@Creditaddict wrote:
but it turns they released the FREEDOM PLUS card that does charge the $30 AFTER first year, this card gives you the 3% on the top 6 categories.
Neither Freedom Plus or the Freedom Card charge an annual fee, ever...at least not for new members per the link that I provided above.

Mark this is copied right from the linked that you provided regarding Chase freedom plus.

Unfortunately, there is an annual fee after the first year

I wish you were right, this would have been extremely helpful to alot of people

Chase Freedom PlusSM

PRICING & TERMS

*OFFER DETAILS

APPLY NOW

EARN MILES FASTER.

Features

Receive 10,000 miles after your first purchase*
Earn Triple Miles in the 6 bonus categories where you spend the most each month*
Earn 1 mile on all other purchases*
No rewards expiration and unlimited earning
Switch between miles, cash back and points – and take your rewards with you!*
Annual program fee is waived for the first year–that's a $30 value!

Re: Circuit City Credit Card

Creditaddict — Sat, 17 Jan 2009 07:26:22 GMT

Thank you Oracles... I mean I did sit and listen to her 10 min word for word form she had to read about the new terms. they charge the annual fee to offer you the 3% on top 6 categories, if you don't care about that, get regular Freedom Visa, it's FREE!

Re: Circuit City Credit Card

oracles — Sat, 17 Jan 2009 07:44:31 GMT

@Creditaddict wrote:
Thank you Oracles... I mean I did sit and listen to her 10 min word for word form she had to read about the new terms. they charge the annual fee to offer you the 3% on top 6 categories, if you don't care about that, get regular Freedom Visa, it's FREE!

No problem CA,

would have been great if Mark did find a link for a freedom Plus no annual fee card, but unfortunately there is still an annual fee

However, the rewards you receive outweigh the $30 dollar fee.

it is a great card

Message Edited by oracles on 01-17-2009 02:44 AM