topic Re: Chase PC'd Freedom Flex to Unlimited without my approval in Credit Cards

Chase auto PC'ing Freedom OG to Unlimited

djb1986 — Thu, 18 Nov 2021 18:51:54 GMT

It looks like today Chase changed my Freedom ~~Flex~~ to the Unlimited.

This happen to anyone else? I was going to PC my CSP to the Unlimited or lower Sapphire before the annual fee was added.

Edit: it was the OG Freedom that I thought became the flex when chase phased out the OG.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

OmarGB9 — Thu, 18 Nov 2021 01:10:41 GMT

Perhaps it was an error? I'd call and speak with them.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

Anonymous — Thu, 18 Nov 2021 01:12:07 GMT

@djb1986 wrote:
It looks like today Chase changed my Freedom Flex to the Unlimited.

This happen to anyone else? I was going to PC my CSP to the Unlimited or lower Sapphire before the annual fee was added.

What happened to make you think this had happened? (New card arrives, web site images, Chase email)?

I haven't heard of them changing from one still current card to another (if it was the old Freedom being changed, I would be less surprised but would also expect lots of people reporting this!). So I would guess a mistake (either it hasn't happened or they believe the received a request to do this)

Re: Chase PC'd Freedom Flex to Unlimited without my approval

simplynoir — Thu, 18 Nov 2021 01:19:41 GMT

Question: did you call to process a CSP -> CFU change and perhaps they did it to the wrong card? That seems to be the only scenario where I see this happening. I really can't see Chase initiating this by themselves if a customer didn't ask for it. Even for a PC disclosures have to be discussed and agreed to before a card changes

Re: Chase PC'd Freedom Flex to Unlimited without my approval

Yasselife — Thu, 18 Nov 2021 01:21:01 GMT

@djb1986
I am always asked for permission even after I have had requested a product change, then they read me a short script with the terms.
This is the first time I see this.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

BearsCubsOtters — Thu, 18 Nov 2021 01:31:12 GMT

@djb1986 wrote:
It looks like today Chase changed my Freedom Flex to the Unlimited.

This happen to anyone else? I was going to PC my CSP to the Unlimited or lower Sapphire before the annual fee was added.

My Freedom and Freedom Flex are still in tact.

Like Longtimelurker asked, what makes you believe this has happened? If you are going by card art on your online account access alone, it could just be a glitch.

I have heard of Citi automatically switching cards, usually for accounts that are dormant, but never Chase. Maybe it is something new? Keep us updated, please.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

djb1986 — Thu, 18 Nov 2021 01:37:11 GMT

I got an update in Samsung Pay that my card was updated.

Card art changed and in the app, my benefits now show 1.5% cash back on all purchases.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

BearsCubsOtters — Thu, 18 Nov 2021 02:34:10 GMT

@djb1986 wrote:
I got an update in Samsung Pay that my card was updated.

Card art changed and in the app, my benefits now show 1.5% cash back on all purchases.

Very strange. Hopefully this does not become widespread.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

FinStar — Thu, 18 Nov 2021 03:03:50 GMT

@BearsCubsOtters wrote:
@djb1986 wrote:
I got an update in Samsung Pay that my card was updated.

Card art changed and in the app, my benefits now show 1.5% cash back on all purchases.
Very strange. Hopefully this does not become widespread.

Indeed.

My understanding is that they typically have to provide a verbal or written disclosure when products are PC'd, especially because CFU is issued as a Visa. IIRC, when CFF was launched, some folks who pursued a PC from either Freedom or Freedom Unlimited via Secured Message were told to call Chase directly for the PC since it couldn't be done via SM.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

NRB525 — Thu, 18 Nov 2021 03:40:59 GMT

Getting some popcorn...

Not sure how they auto-change a MC to a VISA.

OP when did you apply for, get the CFF? Was any sort of PC involved, or a completely new card app with SUB?

Re: Chase PC'd Freedom Flex to Unlimited without my approval

Yasselife — Thu, 18 Nov 2021 04:08:05 GMT

@djb1986
did you verify on Chase app? I'm not sure if you're only talking about samsum app.
I am sure your account is good.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

djb1986 — Thu, 18 Nov 2021 04:09:03 GMT

@NRB525 wrote:
Getting some popcorn...
Not sure how they auto-change a MC to a VISA.

OP when did you apply for, get the CFF? Was any sort of PC involved, or a completely new card app with SUB?

It's never been a mastercard. I've always had a visa.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

FinStar — Thu, 18 Nov 2021 05:02:34 GMT

@djb1986 wrote:
@NRB525 wrote:
Getting some popcorn...
Not sure how they auto-change a MC to a VISA.

OP when did you apply for, get the CFF? Was any sort of PC involved, or a completely new card app with SUB?
It's never been a mastercard. I've always had a visa.

@djb1986 -- I believe there is some confusion here. The Freedom FLEX is (and has always been since it was launched last year) a World Elite MC. It has never been a Visa.

The Freedom (just the plain version) and Freedom Unlimited are both issued as Visa. There are currently 3 Freedom versions, although applications for the plain Freedom are no longer available. It's been reported in the past that some Freedom cardholders were switched automatically to the Freedom Unlimited version, which doesn't require much authorization if Chase is slowly moving some cardholders to the newer product.

This similar experience was shared by Slate accountholders who were switched to Freedom Unlimited (same Visa network) as Chase was phasing out the Slate CC.

So, you may want to update your op and the thread title to avoid further confusion for the community.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

NRB525 — Thu, 18 Nov 2021 06:25:02 GMT

@djb1986 wrote:
@NRB525 wrote:
Getting some popcorn...
Not sure how they auto-change a MC to a VISA.

OP when did you apply for, get the CFF? Was any sort of PC involved, or a completely new card app with SUB?
It's never been a mastercard. I've always had a visa.

Ok, and still my question: When did you get this Freedom card?

Re: Chase PC'd Freedom Flex to Unlimited without my approval

FinStar — Thu, 18 Nov 2021 06:58:15 GMT

@NRB525 wrote:
@djb1986 wrote:
@NRB525 wrote:
Getting some popcorn...
Not sure how they auto-change a MC to a VISA.

OP when did you apply for, get the CFF? Was any sort of PC involved, or a completely new card app with SUB?
It's never been a mastercard. I've always had a visa.
Ok, and still my question: When did you get this Freedom card?

Perhaps that is all. For now.

Until OP returns and provides additional details.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

djb1986 — Thu, 18 Nov 2021 13:16:19 GMT

Ok, it seems this was their one of the final steps in phasing out the original Freedom card.

Re: Chase PC'd Freedom Flex to Unlimited without my approval

simplynoir — Thu, 18 Nov 2021 14:56:23 GMT

@djb1986 wrote:
Ok, it seems this was their one of the final steps in phasing out the original Freedom card.

If that's the case this should be interesting. Wife has all three flavors of the Freedom already so I'll keep an eye out for that. I am wondering why Chase didn't just PC the Freedom to the Flex since that card is the refresh already if they are indeed phasing out the OG Freedom

Re: Chase PC'd Freedom Flex to Unlimited without my approval

djb1986 — Thu, 18 Nov 2021 15:35:44 GMT

That's why I thought they switched it to the Flex...

@simplynoir wrote:
@djb1986 wrote:
Ok, it seems this was their one of the final steps in phasing out the original Freedom card.
If that's the case this should be interesting. Wife has all three flavors of the Freedom already so I'll keep an eye out for that. I am wondering why Chase didn't just PC the Freedom to the Flex since that card is the refresh already if they are indeed phasing out the OG Freedom

Re: Chase PC'd Freedom Flex to Unlimited without my approval

simplynoir — Thu, 18 Nov 2021 16:06:11 GMT

@djb1986 wrote:
That's why I thought they switched it to the Flex...

@simplynoir wrote:
@djb1986 wrote:
Ok, it seems this was their one of the final steps in phasing out the original Freedom card.
If that's the case this should be interesting. Wife has all three flavors of the Freedom already so I'll keep an eye out for that. I am wondering why Chase didn't just PC the Freedom to the Flex since that card is the refresh already if they are indeed phasing out the OG Freedom

Have you received any communication like a secure message, letter, etc about this change or did you have to contact customer service to get your answers? Really surprised by Chase doing this honestly. You would figure they would like to keep customers on the original Freedom card since it has use only for the quarterly categories with no other purchase multipliers 🤷

Re: Chase PC'd Freedom Flex to Unlimited without my approval

calyx — Thu, 18 Nov 2021 16:09:57 GMT

@simplynoir wrote:
@djb1986 wrote:
Ok, it seems this was their one of the final steps in phasing out the original Freedom card.
If that's the case this should be interesting. Wife has all three flavors of the Freedom already so I'll keep an eye out for that. I am wondering why Chase didn't just PC the Freedom to the Flex since that card is the refresh already if they are indeed phasing out the OG Freedom

I would wonder the same.
I only have the OG Freedom, and I keep getting green stars for the Unlimited. I would want the Flex if I had to switch, so I'll be watching as well. If it came down to a forced PC, I'd prefer the Flex (I'd rather it with an SUB, but I'd take it without one, rather than sockdrawer a Chase card).