topic Re: Question on Chase Freedom bonus in Credit Cards

Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 18:06:12 GMT

Hi,

I have a Chase Freedom Card with my wife as joint holder. The card was opened in Oct 12 and I got $100 sign up bonus.

Also, last month my wife got a Chase AARP on her name and she is supposed to get $100 bonus as soon as she spend $500 on that. Now my question is if she applies for a Chase Freedom in her name will she receive the $200 bonus or not?

Re: Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 21:20:46 GMT

Any feedback on this?

Re: Question on Chase Freedom bonus

CreditCuriosity — Tue, 18 Nov 2014 21:23:16 GMT

I would think you both would get the bonus... If yours was last month you should get it as people have already spoke about that.. With regards to your wife, she has a seperate ssn and a seperate account, I don't know why she wouldnt be eligible if she was to appy?

Re: Question on Chase Freedom bonus

Focused10 — Tue, 18 Nov 2014 21:24:08 GMT

Yes, she should receive the bonus.

Re: Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 21:38:20 GMT

So Chase won't consider that she is going to get got one bonus from Chase AARP or they do not mind as long as it is a different product?

Re: Question on Chase Freedom bonus

Ghoshida — Tue, 18 Nov 2014 21:44:28 GMT

@uswala wrote:
So Chase won't consider that she is going to get got one bonus from Chase AARP or they do not mind as long as it is a different product?

Chase allows multiple bonus across product lines, just not on the same product in less than 2 years.

You can open two cards and get two signup bonuses as long as you independently satisfy their spend threshold criteria. You can do the same thing with bank accounts as well (checking + savings bonuses).

In my experience, only AMEX seems to have started this rule of one bonus per cardmember, across all card, for life. Others can chime in and correct me (if there are other lenders with same policy, or if AMEX has changed their policy again).

Re: Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 21:52:06 GMT

What worries me most is the point (i) in their offer terms:

This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.

As my wife is joint holder with me on my Freedom, I think they will consider her current member of Freedom. Or I am mistaken?

Re: Question on Chase Freedom bonus

09Lexie — Tue, 18 Nov 2014 22:02:58 GMT

@uswala wrote:
What worries me most is the point (i) in their offer terms:
This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months. 
As my wife is joint holder with me on my Freedom, I think they will consider her current member of Freedom. Or I am mistaken?

You are mistaken. It's your bonus not hers, as an AU she was not rewarded the bonus.

Re: Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 22:06:41 GMT

@09Lexie wrote:
@uswala wrote:
What worries me most is the point (i) in their offer terms:
This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months. 
As my wife is joint holder with me on my Freedom, I think they will consider her current member of Freedom. Or I am mistaken?
You are mistaken. It's your bonus not hers, as an AU she was not rewarded the bonus.

She is Joint Holder and not AU.

Re: Question on Chase Freedom bonus

CreditCuriosity — Tue, 18 Nov 2014 22:09:37 GMT

Hmmmm...Didnt know they did joint with chase.. Call up someone other the a normal CSR and simply ask?

Re: Question on Chase Freedom bonus

09Lexie — Tue, 18 Nov 2014 22:31:07 GMT

@CreditCuriousity wrote:
Hmmmm...Didnt know they did joint with chase.. Call up someone other the a normal CSR and simply ask?

I was told they no longer offer joint applicants either.

Question: does your wife's login show the ultimate rewards and the card?

Eta: A quick search shows they stopped last year.

Re: Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 22:33:39 GMT

@09Lexie wrote:
@CreditCuriousity wrote:
Hmmmm...Didnt know they did joint with chase.. Call up someone other the a normal CSR and simply ask?
I was told they no longer offer joint applicants either.

Question: does your wife's login show the ultimate rewards and the card?

Eta: A quick search shows they stopped last year.

No, it does not show on her online account.

Re: Question on Chase Freedom bonus

09Lexie — Tue, 18 Nov 2014 22:37:49 GMT

@uswala wrote:
@09Lexie wrote:
@CreditCuriousity wrote:
Hmmmm...Didnt know they did joint with chase.. Call up someone other the a normal CSR and simply ask?
I was told they no longer offer joint applicants either.

Question: does your wife's login show the ultimate rewards and the card?

Eta: A quick search shows they stopped last year.
No, it does not show on her online account.

Then I would guess she's fine. However, sending a SM would be the best choice.

Re: Question on Chase Freedom bonus

uswala — Tue, 18 Nov 2014 22:39:27 GMT

@09Lexie wrote:
@uswala wrote:
@09Lexie wrote:
@CreditCuriousity wrote:
Hmmmm...Didnt know they did joint with chase.. Call up someone other the a normal CSR and simply ask?
I was told they no longer offer joint applicants either.

Question: does your wife's login show the ultimate rewards and the card?

Eta: A quick search shows they stopped last year.
No, it does not show on her online account.
Then I would guess she's fine. However, sending a SM would be the best choice.

Sent

Re: Question on Chase Freedom bonus

uswala — Wed, 19 Nov 2014 00:18:55 GMT

As I suspected. They will not allow her another Freedom as she is Joint Holder

Thank you for contacting Chase about the Freedom sign up 
bonus offer.

Currently the offer online for new Freedom applications is
for 20,000 bonus points, equivalent to $200, when you 
spend $500 in the first 3 months from account opening and 
2,500 points, equivalent to $25, after you add your first 
authorized user and make a purchase in the first 3 months 
from account opening.

Please note, this offer is for a limited duration and is 
subject to change anytime. If your account is booked 
under this offer, then you will be eligible for the bonus 
subject to the approval of your application.

Additionally, if you are listed as a joint cardholder on 
your husband's Freedom card, then please remember that our
policy no longer allows for customers to have more than 
one credit card in the same product. Applications for a 
card product you already have may not be eligible for 
approval.

However, if you are listed as an Authorized user on your 
husband's Freedom card, then you are eligible to apply for
a new Freedom card.

If you have any further questions, please reply using the 
Secure Message Center.

Re: Question on Chase Freedom bonus

CreditCuriosity — Wed, 19 Nov 2014 00:22:11 GMT

So sounds like a no go?

Re: Question on Chase Freedom bonus

uswala — Wed, 19 Nov 2014 00:34:38 GMT

@CreditCuriousity wrote:
So sounds like a no go?

Yup.

No point as they would not give Freedom to her.

Re: Question on Chase Freedom bonus

09Lexie — Wed, 19 Nov 2014 03:02:03 GMT

@uswala wrote:
@CreditCuriousity wrote:
So sounds like a no go?
Yup.
No point as they would not give Freedom to her.

I forgot about their one card per customer rule.

Sorry.