topic Re: Chase Freedom Approved - Plus Questions in Credit Cards

Chase Freedom Approved - Plus Questions

Datx — Mon, 27 Feb 2012 20:01:37 GMT

I was going to keep this to myself, but I did get approved for a Chase Freedom card recently and got the card in the mail today. I'm happy to be approved, but also disappointed in the CL. Anyways, when I called to activate the card, I got a lady on the phone who started to just make sure I knew about the points system, cash back offers, etc. Real nice rep, didnt try to sell me anything, just sounded very helpful. Is this the normal activation process with Chase? Cause thats really nice, I guess im so use to the Cap One, Orchard, etc etc of them trying to sell my their lousy credit monitoring service or their insurance programs. Its nice not having to go through a sales call to activate my card.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 20:10:28 GMT

I just activated a Chase Freedom last week and went through the same pleasant experience.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 20:10:29 GMT

@Datx wrote:
I was going to keep this to myself, but I did get approved for a Chase Freedom card recently and got the card in the mail today. I'm happy to be approved, but also disappointed in the CL. Anyways, when I called to activate the card, I got a lady on the phone who started to just make sure I knew about the points system, cash back offers, etc. Real nice rep, didnt try to sell me anything, just sounded very helpful. Is this the normal activation process with Chase? Cause thats really nice, I guess im so use to the Cap One, Orchard, etc etc of them trying to sell my their lousy credit monitoring service or their insurance programs. Its nice not having to go through a sales call to activate my card.

Are you keeping secrets from your myfico family? LOL!

Congratulations on the new card. What limit did you get?

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 20:12:10 GMT

Its pretty normal when I call on they seem very professional and great customer service

Re: Chase Freedom Approved - Plus Questions

Datx — Mon, 27 Feb 2012 20:16:28 GMT

@Anonymous wrote:
@Datx wrote:
I was going to keep this to myself, but I did get approved for a Chase Freedom card recently and got the card in the mail today. I'm happy to be approved, but also disappointed in the CL. Anyways, when I called to activate the card, I got a lady on the phone who started to just make sure I knew about the points system, cash back offers, etc. Real nice rep, didnt try to sell me anything, just sounded very helpful. Is this the normal activation process with Chase? Cause thats really nice, I guess im so use to the Cap One, Orchard, etc etc of them trying to sell my their lousy credit monitoring service or their insurance programs. Its nice not having to go through a sales call to activate my card.
Are you keeping secrets from your myfico family? LOL!
Congratulations on the new card. What limit did you get?

LOL. Yea, I was trying to lay low and not app for stuff but I hit the 'apply' button and ugh, kinda regret it now. Ugh...

I got a low CL of $500. My very first card from Chase ever.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 20:26:54 GMT

I got mine through a branch when I opened up a savings account, so I didn't have to go though all of that, but I did go through with it with the CSR at the branch, he went over everything one by one to make sure I knew everything that was involved. So far, I haven't had any problems with my specific Chase branch and their services.

Re: Chase Freedom Approved - Plus Questions

crunching_numbers — Mon, 27 Feb 2012 20:28:36 GMT

@Datx wrote:
@Anonymous wrote:
@Datx wrote:
I was going to keep this to myself, but I did get approved for a Chase Freedom card recently and got the card in the mail today. I'm happy to be approved, but also disappointed in the CL. Anyways, when I called to activate the card, I got a lady on the phone who started to just make sure I knew about the points system, cash back offers, etc. Real nice rep, didnt try to sell me anything, just sounded very helpful. Is this the normal activation process with Chase? Cause thats really nice, I guess im so use to the Cap One, Orchard, etc etc of them trying to sell my their lousy credit monitoring service or their insurance programs. Its nice not having to go through a sales call to activate my card.
Are you keeping secrets from your myfico family? LOL!
Congratulations on the new card. What limit did you get?
LOL. Yea, I was trying to lay low and not app for stuff but I hit the 'apply' button and ugh, kinda regret it now. Ugh...

I got a low CL of $500. My very first card from Chase ever.

OK, in my book when they say YES, I am happy. The alternative would be a HP and a NO to go with it. Have no regrets, they said YES!

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 20:29:30 GMT

Are you keeping secrets from your myfico family? LOL!
Congratulations on the new card. What limit did you get?
LOL. Yea, I was trying to lay low and not app for stuff but I hit the 'apply' button and ugh, kinda regret it now. Ugh...

I got a low CL of $500. My very first card from Chase ever.

At least you are in the Chase family. I'm still on the outside looking in at the Freedom and Southwest cards while breathing on the window. LOL!

Don't worry about the CL...from what I've read, it will grow over time.

Re: Chase Freedom Approved - Plus Questions

Datx — Mon, 27 Feb 2012 20:48:03 GMT

@crunching_numbers wrote:
OK, in my book when they say YES, I am happy. The alternative would be a HP and a NO to go with it. Have no regrets, they said YES!

Yea, I guess I havent really looked at it that way. I just regret it, because I made a poor decision to apply for it now when I made plans to go for it at the end of the year where I see myself in better credit situation wise, which probably would have gotten me a better limit. But whats done is done, and you're right, at least they didnt say no.

Re: Chase Freedom Approved - Plus Questions

Datx — Mon, 27 Feb 2012 20:49:31 GMT

@Anonymous wrote:
Are you keeping secrets from your myfico family? LOL!
Congratulations on the new card. What limit did you get?
LOL. Yea, I was trying to lay low and not app for stuff but I hit the 'apply' button and ugh, kinda regret it now. Ugh...

I got a low CL of $500. My very first card from Chase ever.
At least you are in the Chase family. I'm still on the outside looking in at the Freedom and Southwest cards while breathing on the window. LOL!
Don't worry about the CL...from what I've read, it will grow over time.

Yea, and the nice $300 bonus going around is an awesome offer too. Hopefully the CL will grow, we'll see.

Re: Chase Freedom Approved - Plus Questions

cashnocredit — Mon, 27 Feb 2012 21:12:03 GMT

Same here. The Chase CSR was great and no sales pitch for worthless add ons. Refreshing.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 21:22:29 GMT

@Datx wrote:
@crunching_numbers wrote:
OK, in my book when they say YES, I am happy. The alternative would be a HP and a NO to go with it. Have no regrets, they said YES!
Yea, I guess I havent really looked at it that way. I just regret it, because I made a poor decision to apply for it now when I made plans to go for it at the end of the year where I see myself in better credit situation wise, which probably would have gotten me a better limit. But whats done is done, and you're right, at least they didnt say no.

If it makes you feel any better, I was a customer of Chase's for 2 years+ when I got my Freedom and all I got was a $1400 CL.

Granted, I was in the 650's at the time with a collections, I wonder what it would have been now that I'm in the 740's with a clean report.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 21:25:20 GMT

If it makes you feel any better, I was a customer of Chase's for 2 years+ when I got my Freedom and all I got was a $1400 CL.
Granted, I was in the 650's at the time with a collections, I wonder what it would have been now that I'm in the 740's with a clean report.

Have they given you a CLI since your new scores?

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 21:26:35 GMT

Only had the card for 7 months, but so far, nope.

No auto-luv.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 21:58:31 GMT

Chase's credit card division is great IMO (no experience with their banking division). They have a very competitive line up of cards and their CS has been professional and knowledgeable every time I've had an issue. I usually use their Secure Message Center since I find it even quicker than calling in. They allow you to consolidate credit lines when closing down an account, effectively keeping your total credit with them the same. They honor higher sign-up bonuses within 90 days of applying if you signed up for a lower one or a better one comes along. The only thing I don't like is they HP if you request a CLI and I heard they are not so generous with auto-CLI. Also, you are stuck with the APR assigned to you at time of approval since they don't lower it every so often like Amex does when asked.

Re: Chase Freedom Approved - Plus Questions

Anonymous — Mon, 27 Feb 2012 21:59:44 GMT

I want this card....but dont know if my bk7 in 05 will prevent me from getting it ......have 2 collections 1 coming off in june other in december should i wait ? My iib derogs will drop off in june.....

Re: Chase Freedom Approved - Plus Questions

CreditScholar — Tue, 28 Feb 2012 00:51:40 GMT

Chase has always had good CS from my experiences with them. If you want a CLI you should use your freedom heavily for the next year ($250+ charged monthly and PIF), and then request one. You'll probably get around 2k, which isn't a bad trade at all for only 1 HP.