chase and unrequested/unsolicited product change email

[jdsinm]

Hello all,

I received an email on 9/26 that told me by oct 7th my chase freedom was going to be changed to a freedom unlimited.

I never asked or inquired about this. There was is no language in the email to opt out. Ive reached out via a secure message to see what i need to do to stop this from happenning.

I use the card eight or nine times a year and pay it to a zero balance, which it has now. I do take advantage of the 5% catagories using them fully usually. This is not going to be a benifit to change to the unlimited version for me.

I'll update when i get an answer about if this can be stopped. Just wanted to put it out there for data.

general data p-

this card is about 15 years old

I have three other chase cards (another freedom, a freedom unlimited, and a slate)

fico in high 700s, my cc usage overall below 20%

[alocksley]

I would think if they're moving you to a fee card from one without, you would have cause to complain, but Freedom is not listed in their site of available cards, and it doesn't have a fee, so it's a lateral move IMO. I just closed my chase checking account and have a no fee Chase Sapphire (not Sapphire Preferred) card, which also isn't offered anymore.  Should Chase decide to move my account to an AF card I'll just cancel it.

[sccredit]

It isn't uncommon for banks to migrate discontinued products to similar existing products.

[Anonymous]

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@alocksley wrote:

 Should Chase decide to move my account to an AF card I'll just cancel it.

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I doubt if any issuer does that, obviously cause way too many complaints

[coldfusion]

Multiple reports have surfaced over the last few days about this conversion.   Chase stopped accepting new applications for the Freedom about 4 years ago, so it shouldn't be a big surprise that they're finally getting around to removing it entirely from their portfolio. 

If you don't want a Freedom Unlimited you can always call and ask now to PC the Freedom to a Flex (allowing a PC to a co-branded card is a big YMMV) or if you already have another Chase card you can transfer the limit over and close the Freedom.

[Anonymous]

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@sccredit wrote:

It isn't uncommon for banks to migrate discontinued products to similar existing products.

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A much closer match would be to Freedom Flex, but presumably the switch from Visa to MC is an issue.   OP already has a Freedom Unlimited, and I can't think of a good use case for having 2!  

[Kforce]

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@Anonymous wrote:

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@sccredit wrote:

It isn't uncommon for banks to migrate discontinued products to similar existing products.

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A much closer match would be to Freedom Flex, but presumably the switch from Visa to MC is an issue.   OP already has a Freedom Unlimited, and I can't think of a good use case for having 2!  

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Always the MyFico cry: "Never enough padding"

[ptatohed]

Haven't received anything about my freedom OG moving to anything, but I hope, if it does, it's a 5% Flex and not a 1.5% Unlimited!   

[GhostCredit]

Yeah I got the same email, called them the guy said he didn't know how to do it and will put a note saying to put a stop of the product change and says he will talk to a supervisor. Checked my account a few days ago and it changed to the freedom unlimited smh... 

Wish I could change it to the Marriott card instead... 

[jdsinm]

So not unexpected-

"...the option to decline the upcoming change to a Chase Freedom Unlimited® credit card is not available".

As of today 10/1 the card has been switched in the online portal branding.

The play here for chase is bascially they get to save themselves $300 a year (less swipe fees they make) by doing this.