Chase Freedom^SM Credit Card

Chase credit card company should be ashamed of them selves they raised my credit from 13% to 31% after they switched from WAMU. That should be illegal if you ask me, thanks chase for thinking of only yourself. This happened to several people I know also....stay away from this situation if at all possible.

I applied for a gas station credit card that was thru Chase strictly for the perks. I couldn't believe when I got the rejection letter that they came right out & said that they were turning me down because after reviewing my credit report it would cost them more to maintain the account than they would make off of me. At least they were honest about it. I guess having a good record of paying your bills can sometimes work against you. Of course I had paid off my credit card that I had with them when they tried to jack up their rates. Maybe they didn't like that.

After Chase took over Washington Mutual / Providian, they got rid of a really good feature on WaMu Visa Cards: free automatic updates to your TransUnion credit score online every month so you could track your progress.

Admittedly, WaMu’s business model was going after high-risk customers, which is part of the reason they got into trouble.

On the other hand, can someone explain to me why Chase, after they took over my WaMu / Providian Visa (originally PayPal Visa), cut my limit in half and jacked up my annual rate to over 27% (from 11%), citing bad risk? If I had a FICO score of, say, 600, OK, but I have a score with all the major credit bureaus of around 750. Go figure.

In my experience big organizations like J.P Morgan / Chase / Bear Stearns / Washington Mutual / Providian / Chemical Bank / Manufacturers Hanover / BankOne / etc. tend to be inefficient and slow, especially after their most recent takeover,**tile or not. Their customer service is rude and treats you like they in turn have been treated by their powerful, aggressive (speak I don’t care for small accounts) employer: like crap.

My local credit union serves me much better. With them, it’s the little things that count, for example, they submit a positive entry to all three credit bureaus each and every month, even if my accounts with them have no activity.

So my motto is: for small things like rewards programs – the only reason I’m still with Chase Visa is to get THEM to pay ME through the rewards program – go to a big bank. For big things like mortgages and car loans, go to a local credit union where you will be treated like royalty, and they will think twice before repossessing you or calling in their loans, because to them you are not just a small account but maybe an average or even a big account.

Chase credit cards just plain suck. Avoid them unless, and only unless, you are absolutely sure it’s just a “fun” card you will pay off completely every month – at least 10 days in advance -- and collect bonus points with. I actually overpay my account with them by $50 to $100, maintaining a debit balance with them. Otherwise you will get slammed by them right and left.

Easily got approved... wish I had a better limit, but the introductory offer (0% APR for 12 months) is the best I have found so far. I originally intended to get a Discover card, but after seeing their interest rate and poor introductory offer (only 6 months @ 0%) this card easily beats it. Haven't used the Freedom card yet but I am excited about the $50 back on the first purchase!

The only thing worse than their credit cards are their interest rates and the interest accrued offers for CDs, savings, etc. The only reason I have Chase is because if there is something necessary to do, their bank is in every corner within a 5-block radius :D.

I have had this card for several years. I'm racking up rewards to the amount of about $250 every quarter. My favorite card by far! I use it to pay most of my bills and then pay it off each month. So, I don't know anything about their interest rates, I've never given them a dime, except for what I've charged. They recently changed the way I can select my rewards that is a little confusing. My card allows me to select my rewards in $50 increments or if I save up my rewards, I can get a $250 check when I earn $200 in rewards. The automated system used to clearly state that but it doesn't anymore. I guess that would be my only gripe.

693 score. Not approved.

20 accounts in outstanding, never missed a payment, never late status. 1 account past due because of real estate fraud. I guess they only take into account score and nothing else.

My score prior to real estate issue was 827.

Lesson to all. One delinquent account can screw your credit score BIG TIME.

FYI I got a notice in the mail about 4-6 weeks ago that the rewards program is changing and now it has officially changed on my account when I go online.

You used to get 1% on everything, 3% on your top three everyday categories (or top 5 for chase checking customers), and you had the ability to use $200 of rewards for a $250 check. This allowed you to get up to 3.75% cash back.

They no longer offer 3% on your top categories or a $250 check for $200 of rewards.

Now you receive 1 point for every dollar, plus a 10% bonus on the points you've earned, plus 10 points per purchase (so if you spend $100 you earn 100 points, plus a 10% bonus on those 100 points, plus 10 points for making one purchase so 100+10+10 = 120 points total).

Basically it amounts to 1.1% plus 10 cents per purchase (assuming 1 points = 1 cent). No longer the great deal it used to be, but you still earn a nice percentage for smaller purchases because of the 10 points per purchase. So I will now use this card for everything under $10 or so, and look for another card for larger purchases.

All my cards were wamu before it was bought out by chase, and lord knows after their FUBAR with my and my father's accounts (taking well over $300 from my fathers in order to 'ensure' that my account is not over drawn and neglected to tell me but did charge me over $40-$50 for the service) I left them as a bank, however their credit cards have saved my bacon on a few occasions of fraud so... bad bank, good credit cards though...

Hello! I am 20 years old and have a chase credit card since I was 18. I have the disney rewards card and absolutely love it-considering I visit disney yearly and it helps me "save" money for dinsey. Granted, I only get 1% of purcahes back-but it's an easier way for me to save for spending rather than doing it myself :). Last year, I asked for an increase from a $2000 limit to $5000 and they had no problems allowing it. Along with that, I called up and explained I would need to close out my account due to the interest rate (even though I pay my balances in full) monthly; nevertheless, they were very helpful and gave me an interest rate of 6%. I think chase in general is great! For the people who have had bad experiences with chase, remember, you are dealing with "customer service representatives". You aren't dealing with the "right people" so to speak. Therefore, if the representative gives you the wrong ansewrs, ask to speak to a manager. I guarentee you will have better results. Hope this helps!