topic Re: PC Capital One or Chase Freedom in Credit Cards

PC Capital One or Chase Freedom

Anonymous — Fri, 31 May 2013 05:25:15 GMT

Im wondering if anyone has been successsful doing product change on capitall one or chase freedom card ...and if so what are the requirements or what did u have?

Also another question chase offered to close the freedom card I have and give me a slate with the same limit should I take it limit would be $5000 I would lost credit history on freedom and start new credit on slate card

Re: PC Capital One or Chase Freedom

Anonymous — Fri, 31 May 2013 05:32:58 GMT

What's your current limit on your freedom?

What is your AAoA?

Do you want slate or they offer you slate? Slate is a bit of an underwhelming card. Best use for it is BT.

Depending on what card you really you night considering applying for and moving some if not all your credit line from the freedom.

As far as cap1 goes most people use the online chat feature and see if there are upgrade available. If that doesn't work email the EO

Re: PC Capital One or Chase Freedom

Anonymous — Fri, 31 May 2013 05:40:01 GMT

my credit line with chase is $5000 my aaoa is 1 year 9 months... I dont want to move the credit line over though because that would be a brand new card and ill lose the credit history what are the benefits of a slate

Re: PC Capital One or Chase Freedom

Anonymous — Fri, 31 May 2013 06:16:55 GMT

Slates on real benefit is that it's good balance transfer rates after 0% promo rate. Doesn't earn cash back or anything.

What are you looking for in a card?

If you want a 3-2-1 card chase amazon would fit the bill.

Travel rewards CS and CSP are your best best.

Those cards I mentioned above you you'd have to apply for, but that would hurt your AAoA.

Personally unless you have debt you want to move over to the slate card I'd stick with freedom. Request a a signature version of your Freedom for extra perks if your card isn't a signature version. Chase unlike BofAs signature cards reports a credit limit

Re: PC Capital One or Chase Freedom

Anonymous — Fri, 31 May 2013 19:32:24 GMT

cash back low apr and bt my current chase freedom is $5000 $0 balance on it 22.9% interest rate no balance transfer offers but it has cashback

Re: PC Capital One or Chase Freedom

Anonymous — Sat, 01 Jun 2013 01:01:58 GMT

bump up

Re: PC Capital One or Chase Freedom

parakleet — Sat, 01 Jun 2013 01:05:40 GMT

I really don't know why you would want to PC your Freedom to a Slate. Typically, the CSP + Freedom is considered the ideal combo to get the most out of Chase's rewards. The Slate is a fine SD card to have for BTs but it gets you no rewards. If you're concerned about the apr on your freedom, I would call them and ask them to lower it. I've had luck getting CCCs to lower my apr especially if I have a long history with them. But really, if you're planning on carrying a balance, then the Freedom probably isn't the card for you.

Re: PC Capital One or Chase Freedom

Anonymous — Sat, 01 Jun 2013 01:23:20 GMT

well i dont really care about the chase it just the apr but I really want to pc the capital onedoes any1 have experience with that card

Re: PC Capital One or Chase Freedom

myjourney — Sat, 01 Jun 2013 01:35:47 GMT

Maybe i missed it what cap1 do you have now?

Re: PC Capital One or Chase Freedom

Anonymous — Sat, 01 Jun 2013 01:44:41 GMT

Capital One Platinum Rewards is what is says 19.8% apr on it credit limit went from $500 to $750 found out about executive office them from $1000 to to $1300 to $1500 to $1600 to $2500 where it is at now Im looking for card with better apr and cashback

Re: PC Capital One or Chase Freedom

jsucool76 — Sat, 01 Jun 2013 02:51:24 GMT

Capital one let me PC my platinum to the Cash rewards card the week I got it. I would try the "Chat Now" option first and ask them if you can PC it, if that is a no-go, then try the EO route (provided you've treated your card well). My opinion is always try the regular CSRs first, it doesn't hurt your chances

Re: PC Capital One or Chase Freedom

myjourney — Sat, 01 Jun 2013 03:04:55 GMT

@Anonymous wrote:
Capital One Platinum Rewards is what is says 19.8% apr on it credit limit went from $500 to $750 found out about executive office them from $1000 to to $1300 to $1500 to $1600 to $2500 where it is at now Im looking for card with better apr and cashback

Ask them to add the 1.25% cash back and reduce APR can't hurt I have seen cases were they did it

Re: PC Capital One or Chase Freedom

Anonymous — Sat, 01 Jun 2013 03:52:32 GMT

I have eo says they cant help with apr or credit cashback becuase I already have cashback program on current card all they are good for is cli

Re: PC Capital One or Chase Freedom

myjourney — Sat, 01 Jun 2013 04:05:20 GMT

@Anonymous wrote:
I have eo says they cant help with apr or credit cashback becuase I already have cashback program on current card all they are good for is cli

Thats a bummer

Sorry

Re: PC Capital One or Chase Freedom

jamesdwi — Sat, 01 Jun 2013 04:44:24 GMT

@parakleet wrote:
I really don't know why you would want to PC your Freedom to a Slate. Typically, the CSP + Freedom is considered the ideal combo to get the most out of Chase's rewards. The Slate is a fine SD card to have for BTs but it gets you no rewards. If you're concerned about the apr on your freedom, I would call them and ask them to lower it. I've had luck getting CCCs to lower my apr especially if I have a long history with them. But really, if you're planning on carrying a balance, then the Freedom probably isn't the card for you.

Freedom is an awesome rewards card with no AF. If you need a BT card get a slate or perhaps a Discover IT or Citi card with 0 APR for 12+ months.

Don't product change the freedom to anything but a CSP if you really travel alot and need the rewards without a HP, but in general its best to AP for new Chase cards, and move credit limits around as needed.

Re: PC Capital One or Chase Freedom

jsucool76 — Sat, 01 Jun 2013 06:43:23 GMT

They might not be able to change your rewards program because you have a discontinued card. I'm sure they CAN do something, but they might have a policy of some sort. One thing I've noticed with cap1 is that you can't ask for a product change, you have to ask them to add/change your rewards program. To them, adding a rewards program, and a product change are something completely different.