Comments on: Chase Freedom Credit Card Review

By: Grrrrr

Grrrrr — Fri, 10 Feb 2012 21:53:01 +0000

I have this card. I’ve had fraudulent charges on this account twice in the last sixth months. In the most recent instance I called a week ago when I received a notification that there had been questionable activity. I was told there was no issue with my account. Someone proceeded to charge my account from all over the country all week long. The last time this happened Chase sent me three different letters telling me they were reversing fraudulent charges that were not fraudulent. Terrible customer service. Terrible security. The good cash awards don’t make it worth it.

By: Cap

Cap — Mon, 26 Dec 2011 18:26:12 +0000

@Martha, just visit Chase.com and look for the orange button call “Set Up Online Access” – under the headline “New to Chase Online?” (Its slightly buried away so I can see how certain people might miss it).

By: Martha A. Carter

Martha A. Carter — Sat, 17 Sep 2011 16:13:52 +0000

Have a new Chase Freedom credit card — have been trying to find the correct website to sign up for online credit card account, but have not been able to find right spot. Please advise where and how I can estblish this acct so I can view current transactions, payments, etc. Thank you.

By: Howard

Howard — Fri, 09 Sep 2011 16:43:23 +0000

I had a Chase BP Visa card (started out as Amoco), paid my balance in full each month on line. Then one month I went on line to pay and discovered that they had changed my due date and charged me $30 late fee and interest. I called to complain and was told “Too bad, that is their right to change the due date.” I told them to close my account, thinking they wouldn’t want me to do that but they just said “OK.” Don’t think I will ever get another Chase Card.

By: matt

matt — Mon, 08 Aug 2011 21:38:45 +0000

just got my card last month seems like a good card :)

By: unsatisfied customer

unsatisfied customer — Wed, 29 Jun 2011 22:28:13 +0000

I guess chase has minimum wage workers as credit analysts. All they say is that I ran it through the SYSTEM and it says stuff.

I was pleasantly surprised with Huntington Bank. Their credit analysts are sensible and they do a person to person review to better help them :)

Now I am afraid to use Chase card after what I have been put through even though it has better rewards.

By: Tim

Tim — Thu, 16 Jun 2011 18:45:17 +0000

I wish to further clarify…
I have heard that it is actually better for your credit rating to keep some balance on the card and make payments on time, but not necessarily the full amount (more than the minimum as well). I’m trying to find out if this card is an exception to that idea?

By: TIm

TIm — Thu, 16 Jun 2011 18:17:14 +0000

So I understand this card is for people who generally pay the full balance each month, but what is the policy if I pay, for instance, 30-40% for a few months until I’m caught up and then begin paying the full amount?

By: Alice

Alice — Thu, 26 May 2011 20:23:15 +0000

The current (2nd Qtr 2011) 5% bonus rewards is on “home improvement, lawn & garden and home furnishings”. I emailed Chase support via their website about rewards that weren’t posting for two April transactions with Williamson’s Nursery. Their verbatim written response was “The purchase made in April through Williamson’s nursery is categorized by the merchant as ‘Florists Supplies, Nursery Stock, and Flowers’ hence it does not qualify for the 5% cash.” Um, and what exactly are you planting in your garden Mr. Customer Service Guy?

The emails have been going back and forth and had actually started with me asking if they could send an accounting to help me better understand which transactions had triggered the bonus points so I could confirm I’m getting the points I’m expecting. It can be hard to keep track of the bonus points, since there is a delay on the bonus points posting on some of the statements, yet in other months they seem to post in the same statement as the purchase. Chase is being very resistant about providing me with the detail so I can keep track of all of this on my own and are asking me to let them know which specific transactions I’m questioning.

I know lots of people hate Chase but I have five cards with them and have had a decent relationship with them since 2003. I love to play the rewards game, buying nothing but BP gas on my BP card to get the 5% there and all Amazon purchases on my Amazon card to get the 3% there, etc. I pay all of my cards in full every month, and managing five cards with Chase isn’t difficult since I can see all five on the one webpage and all five are due on the same date, give or take a couple of days. The only problem I ever had was when I tried to pay one month’s bill by paying half of it from one checking account and half of it from a second checking account, and because I was trying to schedule both payments on the same day, it wouldn’t allow me to make the second payment so I got hit with the interest for not paying my balance in full that month.

I also have two of the Citi Thank You cards (regular, and preferred), but their rewards redemption ratios aren’t as enticing. 10,000 points will get you a $100 gift card (meaning each point is worth 1 cent), but to get $100 in cash, you would need a whopping 16,000 point (driving the value of a point down to $0.0063). And to get a $10 gift card costs you 1,500 points.

With the Chase Freedom account, I like the occasional bonus gift cards – for example I was able to get a $25 AMC Movie gift card for only 2,000 points. But if I’m going to have to fight with them to get the points, I’m not sure that it will be worth it.

By: Jsalins

Jsalins — Mon, 09 May 2011 14:59:09 +0000

Cap, great review, one question though. I’m new to the whole credit card thing in general, and w the $600 limit thing, does that mean I shouldn’t go over $600 a month on spending…or is that w rewards. I was confused a bit on that one

By: fred

fred — Thu, 21 Apr 2011 15:07:25 +0000

I have freedom and slate for 2 years paid on time not using the card over 30% of the credit and suddenly they decide to cut my credit line from 3.5k to 1k and from 5k to 1.5k. I’ll keep the card but won’t be using them a too much . not a good card

By: James

James — Tue, 05 Apr 2011 01:51:12 +0000

I received the offer for $200 dollar bonus for signing up but then read the fine print that it doesn’t apply if you are already a cardmemeber. So, having a couple of chase cards (that I never use) I don’t think I can get the offer. But after reading all of these comments, and having family members hating chase too, I would never want to get another chase card again anyways. I’m reminded of how crappy they are, and how screwing their cardmembers is their specialty. Too bad they took over wamu. I feel sorry for anyone that has them. Personally, I like discover but would consider a new bonus card if it came with a good bonus and wasn’t chase.

By: patricia a capelotti

patricia a capelotti — Tue, 29 Mar 2011 00:20:14 +0000

i applied onlone for the chase freedom card and i have not heard any word about, if i was accepted or not, when i filled out on line, it said your application has been accepted. so i was just wondering if i could get an update if i was accepted or not. thank you sincerly
patricia capelotti

By: dan

dan — Sat, 26 Mar 2011 19:08:26 +0000

this is the worst credit card ever…. they have indians overseas who handle all customer service inquiries. terrible service, reading right off the damn script. never going to trust jp morgan. bank of america all the way

By: Bill J.

Bill J. — Fri, 11 Feb 2011 19:18:19 +0000

I would recommend to anyone considering a Chase card that they seriously reconsider. I’ve been a customer for 12+ years, never late on a single payment, never over my limit, with a 700+ credit score. After calling Chase to ask them to consider lowering my rate considering that I was a good customer, they quickly said ‘no’ and that they would in fact be lowering my credit limit from $22k to $2670, just $100 over my balance. What a great way to treat your good, loyal customers. And now, just a month later, they advised that they are closing my card at the end of the month. For absolutely no reason. I’ve been a great customer and this is how they respond? Never late, never over the limit, with a good credit score. Terrible service. I’ve researched the issue online and this is happening to thousands of other people that have been good and long-time customers. I would never, ever, ever recommend Chase or any of their services to anyone.

By: Mindy

Mindy — Mon, 17 Jan 2011 02:08:10 +0000

Yes, the Chase Freedom card was retooled and you now earn “points” rather than cash. I have 2 cards, and one was automatically moved onto this new points system about 6-8 months ago, and I wasn’t happy, but I called Chase and they assured me that my second card would not change to the new program. But, low and behold, I was notified about 3 months ago that my second card was going to be moved to the system. Sucks that you can no longer get a $250 check for redeeming $200. I also think they give you less rewards in general on the new system, but it is certainly difficult to figure out the exact rewards amounts.

By: John Robinson

John Robinson — Sat, 20 Nov 2010 21:40:21 +0000

New account sign up for $200 worth in bonus points after spending like $800 in 5 months. Total scam. Called upon receipt of new card and they say doesn’t exist. Cancelled immediately. Hate scam advertising.

By: Bob

Bob — Mon, 04 Oct 2010 22:35:35 +0000

I used this card for the past 6 months. I have excellent credit (800) and a 6-figure income, but they wouldn’t increase my credit limit past $3000. Worse, they couldn’t tell me on the phone why they wouldn’t increase my limit. There are better cards with more responsive customer support out there. I decided to cancel the card because it’s just not worth the hassle.

By: Ann

Ann — Thu, 29 Jul 2010 16:14:41 +0000

I just spoke with Chase to express my displeasure with the new Freedoms Rewards program. You have to call or go online every quarter to sign up for the revolving categroies that offer 5% cash back which is a hassle. I just learned today (read the fine print on terms and conditions) that you will not receive the additional 4% until 8 weeks AFTER the qualifying quarter has ENDED. So, 20 weeks after the category begins you FINALLY get the extra rewards. What a lousy program. I’m sure Chase is hoping most people won’t bother.

By: Tina

Tina — Tue, 27 Jul 2010 15:39:58 +0000

I noticed some changes in my Freedom Card. They switched my cash back rewards to points rewards.

When I called customer service, they said the cash back option was no longer available and Chase is switching to points rewards.

Do you have the same problem with your card?