4% Freedom Unlimited Offer!

[Poppa]

DW just got mailer for 0% APR for 15 months purchases and balance transfers then %17.24.

4% Cash Back all purchases for the first year up to $20,000! She's never even had a prequal offer on the website.

Edit: No SUB however 

[Anonymous]

4% is good.  I'd app for that even though I have an FU already.  I'd shuffle things around and make it happen.

[Poppa]

We're gonna try for it. 

[calyx]

Dang.  I'd fall out of the Garden for that!

[Anonymous]

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@Poppa wrote:

We're gonna try for it. She's never had a prequalified offer off the website. 

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While they're reassuring you have just as much luck with a cold app.  I never had offers on the website w/o being a customer or even being one.  I did get a couple of offers though being a customer under the JFY option and took them up on one but, cold apped it to see if I could get better terms vs the JFY offer and did get a lower APR out of the deal.  

Chase is one of those banks that's reluctant to let you get a lower rate once you're approved.  I tend to PIF though so it doesn't matter in the bigger scheme of things just more of an accomplishment since they're a bit on the higher side when it comes to the APR.  I mean if I can get approved somewhere else for 13.24% and Chase says well, we'll just do 16% because we can.

[Poppa]

She got it! $10,400 SL. Highest SL we ever got. I'm blown away.

[Anonymous]

Depending on the spend you have lined up it's your turn to go to the branch and see if you can pull off the CSR

10.4K is a good limit with Chase.  It's kind of rare though to see much north of 30K here.  After you're in though instead of asking for a CLI you just app for a new card and shuffle the limits around since new apps are usually a higher CL than a CLI.

[Poppa]

Now I'm trying to find something that verifies the 4%. We used the invitation code from the mailer but I don't think I ever saw the 4% listed on the app. 

[Anonymous]

What's the typical SUB for the FU?  I can't remember if it's $150 or $250, or if it varies depending on targeted offer.

That being said, if it's (say) $250, giving that up to get the extra 2.5% CB for the first year would mean a $10k+ spend to break even.  Most people could probably do that if using it as a general spend card, but for the person that only plans on using it for (say) a few hundred bucks a month for the first year the SUB could still be the better option.  Just something to think about.

[Poppa]

I think the SUB for 3% was $150 so this deal came out $50 better for us.

Edit: I didn't try to use the referral from my freedom though it may not have worked for the FU but if it would have then I left some money out there. Got too excited and forgot.