Multiple Freedom Cards

[lg8302ch]

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@CreditUnionFan wrote:

As for the APR, Chase will adjust upward (AA), but will also adjust downward. My rates were higher, but now both of my Freedom cards have the same APR terms. I don't recall what I did specifically to trigger this, but last year made the jump from the 670's and am now seeing a 755 TU Fico, increased credit lines across the board, added new accounts, reduced utilization to 7%, and that's with $16k sitting on a NFCU card at 0% for a year. (twist my arm!)

As Of Purchase APR Cash APR

	05/20/2014
		13.99%
		19.24%

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Chase is soooo strange.. they give you 13,99% APR and no Signature and for me the Signature with 22,99% APR...prefer the Siggy over the lower APR  if I have to select. But still does not make sense to me and no longer try to understand their logic.

[sexy_kitten7]

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@CreditUnionFan wrote:

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I've talked to both Lending Services as well as their Customer Service and they keep repeating that if you have a non-signature version of the card it seems the only way to upgrade is to close out the account and then re-open another.

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This is completely false! Those CSRs don't know what they're talking about. I went from Freedom Visa to Freedom Visa Signature last year.

There's a whole myFICO thread on this topic from a few months ago. Just contact the EO and they will push it through.

http://ficoforums.myfico.com/t5/Credit-Card-App-Approvals/Chase-Freedom-Visa-platinum-upgraded-to-SI...

[null]

The same thing happened to me. I started off with a Freedom that had an 8.5k limit, but came as a non-signature. I asked through the customer service line and through the secure message center to get it upgraded to a signature, and both rejected me saying it wasn't possible. Eventually I just asked a CSR to escalate the issue, and she said she would send a message. 10 days later I had my Freedom signature, so clearly its nonsense that they keep saying its impossible. Try try again, I suppose..