Chase Freedom - Was I upgraded?

[Anonymous]

I checked my reports today and saw:

1 item removed: Chase Freedom

1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'

Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit'

Did I get upgraded to a Visa Signature? I've only had the card 9 months.

I assume this is a good thing? Or am I being handed rope to hang myself with?

I have been carrying a balance on the card taking advantage of the 0% but making large payments each month (will be PIF March well before 0 offer ends) and making sure they get their share of card swipe fees each month.

No messages from Chase regarding but it took a month or so before they told me they'd bumped up my CL too.

[Credit_hawk]

Sounds to me like you've got yourself a Visa Signature. That is assuming you have at least a 5k limit.

I have a Freedom Signature myself and that is the way it is listed on my reports.

[lg8302ch]

It looks like an upgrade to a signature card to me too .... hopefully it is not just a reporting error.  Customer initiated upgrade requests require 1 year history but this probably would not apply if Chase is offering the upgrade. Congrats if this is the case

[msbia]

Yes, congrats on your VS upgrade. That is exactly how it happened for me last month when my card turned a year old. A note though: you will have to call or send a SM requesting a new VS card, or else they will let your current one expire before sending. I received mine two weeks ago. Enjoy your new Freedom status! 

[Anonymous]

---

@Anonymous wrote:

I checked my reports today and saw:

1 item removed: Chase Freedom

1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'

Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit' 

---

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

I checked my reports today and saw:

1 item removed: Chase Freedom

1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'

Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit' 

---

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

---

"Credit Access Line" [Personal] or "Revolving Credit Line" [Business] means you have moved to the Visa Signature level and Chase sticks to the you must be qualified for the $5K credit limit first. Note, there are some postings on this site where people have re-allocated Chase credit lines/limits and they keep their Visa Signature even though they traded limits and dropped below the $5K Chase rule.

[lg8302ch]

---

@Anonymous wrote:

---

@Anonymous wrote:

I checked my reports today and saw:

1 item removed: Chase Freedom

1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'

Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit' 

---

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

---

Nope... mine was issued as regular and at that time it said credit limit ... is yours a Signature ?  I believe I saw some high limits which had not been issued as Signature cards... mine was 5K and not a Siggy at the beginning

[Anonymous]

---

@lg8302ch wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

I checked my reports today and saw:

1 item removed: Chase Freedom

1 item added: Chase Freedom

Looked over the account - looks the same but it's now reporting as 'Flexible Spending Card'

Logged into Chase and it now says 'Credit Access Line' instead of 'Credit Limit' 

---

Anyone else with a Freedom VS have this too?

Mine says "Total credit limit" and not "Credit access limit"....

---

Nope... mine was issued as regular and at that time it said credit limit ... is yours a Signature ?  I believe I saw some high limits which had not been issued as Signature cards... mine was 5K and not a Siggy at the beginning

---

Yes, forgot about this and it happened to me. They did not issue the card as a Visa Signature even though the limit was way over the $5K requirement. Also, had to have the account over a year ... forgot about that. One plus, it took them a week to evaluate my account but no HP was made!

[Imperfectfuture]

---

@lg8302ch wrote:

It looks like an upgrade to a signature card to me too .... hopefully it is not just a reporting error.  Customer initiated upgrade requests require 1 year history but this probably would not apply if Chase is offering the upgrade. Congrats if this is the case

---

Same happened to me lg, Nov 23 is when the alerts went out.  Congrats OP.  I got my card last March, same time as Aviator.

[lg8302ch]

---

@Imperfectfuture wrote:

---

@lg8302ch wrote:

It looks like an upgrade to a signature card to me too .... hopefully it is not just a reporting error.  Customer initiated upgrade requests require 1 year history but this probably would not apply if Chase is offering the upgrade. Congrats if this is the case

---

Same happened to me lg, Nov 23 is when the alerts went out.  Congrats OP.  I got my card last March, same time as Aviator.

---

So it looks that Chase does account reviews and changes terms....congrats... .so there is still hope for my 22,99% APR... ha ha ha