topic Re: Chase Freedom Visa Signature in Credit Cards

Chase Freedom Visa Signature

p- — Sat, 22 Dec 2012 00:50:02 GMT

I recently had a recon analyst at chase increase my Freedom to 10k. I've heard that they offer a Freedom Visa Signature, and was wondering if mine would or should become a signature card.

Has anyone here had experience upgrading the Freedom to a signature card?

Do they normally do that automatically, or should I call and ask?

Have any of you done that?

Thanks,

Re: Chase Freedom Visa Signature

jsickz32 — Sat, 22 Dec 2012 00:53:23 GMT

From what ive read here your card has to be 13 months old and you have to call them and request it

Re: Chase Freedom Visa Signature

RonDawg — Sat, 22 Dec 2012 01:36:59 GMT

@p- wrote:
I recently had a recon analyst at chase increase my Freedom to 10k. I've heard that they offer a Freedom Visa Signature, and was wondering if mine would or should become a signature card.

Has anyone here had experience upgrading the Freedom to a signature card?

Do they normally do that automatically, or should I call and ask?

Have any of you done that?

Thanks,

I had it done the features are exactly the same. I had to go through their back office to get it done and to be honest outside of the word "Signature" and bold metalic word "Visa" on the card they behave exactly the same way. No Credit Pull the guy told me like 10 times during the conversation that they would not pull my credit for upgrading the card.

Oh yes and btw you get a nice new Terms and Conditions in the mail about a month later.

Re: Chase Freedom Visa Signature

Anonymous — Sat, 22 Dec 2012 01:44:33 GMT

I was initially approved with a $5k limit, but they will not give me a signature card until the 13th month.

Re: Chase Freedom Visa Signature

SnackTrader — Sat, 22 Dec 2012 02:03:38 GMT

I was just approved for a $5k Freedom a few minutes ago so this news is pretty upsetting to me.

I have to wait 13 months???

Re: Chase Freedom Visa Signature

Anonymous — Sat, 22 Dec 2012 02:13:44 GMT

@SnackTrader wrote:
I was just approved for a $5k Freedom a few minutes ago so this news is pretty upsetting to me.

I have to wait 13 months???

Maybe you will get a signature card. **Fingers Crossed**

Re: Chase Freedom Visa Signature

SnackTrader — Sat, 22 Dec 2012 02:18:34 GMT

Here's hoping!

Re: Chase Freedom Visa Signature

Anonymous — Sat, 22 Dec 2012 02:33:56 GMT

What's the real practical difference? You probably don't want to use the "flexible" part if you are concerned about credit score, and I have never used the Signature concierge service.

I think that concierge services might make sense with the really high-end cards (Centurion, Palladium), where they are dealing with a relatively small number of high-worth individuals, but tons and tons of people of no great financial means have Signature cards, so you can't expect any great level of personal service.

Re: Chase Freedom Visa Signature

RonDawg — Sat, 22 Dec 2012 02:41:55 GMT

Both the Chase Freedom and the Chase Freedom Signature will buy that $2.99 bag of chips. One card just shines a little better and you hope the clerk will get impressed.

Re: Chase Freedom Visa Signature

Anonymous — Sat, 22 Dec 2012 02:41:59 GMT

I use concierge about once a month.

You get higher insurance levels and benefits along those lines.

Re: Chase Freedom Visa Signature

Anonymous — Sat, 22 Dec 2012 02:43:05 GMT

@Anonymous wrote:
I use concierge about once a month.

You get higher insurance levels and benefits along those lines.

What do you use the concierge for?

Re: Chase Freedom Visa Signature

Anonymous — Sat, 22 Dec 2012 02:49:35 GMT

Arranging gifts, travel, activites, ect.

My most recent request was a hotel suite with a view of the space needle for new years eve. They emailed me the options available. Sadly, my plans changed and I won't be able to make it to Seattle for new years.

There aren't many things you can't use it for.

Re: Chase Freedom Visa Signature

SnackTrader — Sat, 22 Dec 2012 03:43:41 GMT

@Anonymous wrote:
Arranging gifts, travel, activites, ect.

My most recent request was a hotel suite with a view of the space needle for new years eve. They emailed me the options available. Sadly, my plans changed and I won't be able to make it to Seattle for new years.

There aren't many things you can't use it for.

Love This!!!

i want it!!!!

Re: Chase Freedom Visa Signature

QuantumCredit — Sat, 22 Dec 2012 05:40:23 GMT

2 questions guys:

I know that some signature cards don't report a credit limit, which can actually hurt your FICO. Some, however, do - for instance my Cash+ reports my limit to the credit bureaus even though it is a Signature. What about the Chase Freedom Signature, does it report your limit?

And second - I recently PCed from a Slate to a Freedom, so I've only had the Freedom for about a month but I've had the Slate for several years. You think I would be eligible for a Signature upgrade?

Thanks.

Re: Chase Freedom Visa Signature

RonDawg — Sat, 22 Dec 2012 06:00:36 GMT

@QuantumCredit wrote:
2 questions guys:

I know that some signature cards don't report a credit limit, which can actually hurt your FICO. Some, however, do - for instance my Cash+ reports my limit to the credit bureaus even though it is a Signature. What about the Chase Freedom Signature, does it report your limit?

And second - I recently PCed from a Slate to a Freedom, so I've only had the Freedom for about a month but I've had the Slate for several years. You think I would be eligible for a Signature upgrade?

Thanks.

My Chase Freedom signature card does report a credit limit the only thing that changed is it now says "Flexable spending account" instead of "Credit Card"

Re: Chase Freedom Visa Signature

HiLine — Sat, 22 Dec 2012 06:12:11 GMT

BankofAmerica is the only Visa Signature issuer that still does not report credit limits.

Re: Chase Freedom Visa Signature

p- — Wed, 26 Dec 2012 17:46:11 GMT

@p- wrote:
I recently had a recon analyst at chase increase my Freedom to 10k. I've heard that they offer a Freedom Visa Signature, and was wondering if mine would or should become a signature card.

Has anyone here had experience upgrading the Freedom to a signature card?

Do they normally do that automatically, or should I call and ask?

Have any of you done that?

Thanks,

I called the "Product Change Status" backdoor line from the backdoor sticky, but ended up in the normal automated system. I tried the "Credit Analyst" phone number, and they answered as "Lending Services". The analyst told me that the Sig would not happen automatically, but had to be requested from customer service. He put me on hold and got a rep on the line for me.

That rep told me that my Freedom Card could not be changed into a Sig card. He called in a supervisor and gave me the same answer... "not now... periodic review... maybe in the future".

Any other suggestions?

Re: Chase Freedom Visa Signature

cashnocredit — Wed, 26 Dec 2012 19:33:02 GMT

I suspect the "flexible spend" note on the account looks good on a manual review. It's also the primary value I place on siggys and world cards. I don't care about FICO scores except when apping and can always taylor the reporting in those cases. I like the ability to spend a lot for vacations or what not.

Re: Chase Freedom Visa Signature

shinedown87 — Mon, 18 Feb 2013 19:22:48 GMT

So, has anyone successfully converted a their Freedom to a Visa Signature in less than 13 months?

Re: Chase Freedom Visa Signature

FutureBillionaire — Mon, 18 Feb 2013 19:50:46 GMT

I was approved for a CSP and the Chase Freedom on the same day. My Freedom is not a signature. They stated I needed to wait before converting. I think will convert to a Mastercard anyway.