Chase Freedom® Visa - $50 Bonus Cash Back

Sound like a great deal, but Chase has me a bit gun shy. I have 2 other Chase cards and always pay on time. I only carry a balance on the low rate rate card. The limit on my Rewards card was just sliced in half. I'm afraid they would deny me, even though my credit score is 713 and payment history is 100%

I don't know if they would deny you. My credit score is, get this, 666. I got that card as soon as I turned 18. So, maybe you should check it out.

Oh wait, bad thing is that the interest hikes to 29.9% after the first year! So yeah, that is VERY bad.

Do not revolve a balance on any Chase card or you will get to see the ugly side of Chase.

Chase raised the rates on 3 of my cards even though they were all paid off and my credit score is 746 one card was raised to over 20%

My credit score came back as 780, but Chase sent me a letter stating that my rate would be going up by 50%. When I called to ask if this was true, they said it sure was. I asked why they were doing this and they said they were raising rates on everyone. I told them they weren't on me and just to cancel the card. I had a Discover card to replace it with the rate I used to have on Chase within the week. I say never again to Chase.

I have had bad experiences with Chase as well! I was washington mutual credit card holder and Chase took over the credit cards. Within 4 months they closed y accounts due to no fault of my own. I have a 700 credit score and I paid my balances in full every month...So why do they punish those with good credit? They said that I was too much of a risk! no I think that they have gotten in over there heads leanding to non creditable people...and I got punished in the process for being associated...do not go with chase credit cards!!!!!!

Yup, they are ugly. They just closed one of my credit cards saying my credit score is bad. Well, it isn't. On top of that just two weeks earlier they approved me for another card but now they are telling me they cancel my previous card. it's a load of "bull-patties" so I'm going somewhere else with my business

I've always had good experiences with Chase. From what I can tell, WaMu extended credit to people with questionable credit which is one of the reasons why they failed. Chase is trying to clean up the mess.

Check this out; I had a credit card with Chase for a little over a year, and never had any problems. I always paid my balances in full, and usually I'd pay more than the minimum. Well, about 2 months ago I had a balance of $1.53. Instead of sending a money order like I usually do, I decided I'd pay online; so i set up an online payment account. I paid my bill on the 27th (due date 31st), and I got a letter through the mail on the 2nd of the next month saying that the money was debited back into my account, because the account was closed and to consult my bank (TFCU). My bank said my accounts were open with sufficient funds. So about a week later, I had a balance of $51.53 ($35 payment bounce fee, $15 late fee). I was highly upset, payed the bill and canceled my account. The next month I received another balance of like $1.17. I think that's bull butter. I wouldn't recommend Chase to anyone, especially if you don't want to get screwed over!!!

Chase is my only open credit card account lender who increased credit rates across the board. They are not going to "clean up the mess" on my back because I will never use them again. I made sure both my Chase accounts were zeroed out before their increased interest rates went into effect. This is nothing more than "classroom punishment" - the whole classroom is punished for the behavior of a few. Chase won't ever get any of my business again. Too many other reputable lenders to allow Chase to screw you over like this.