jjy111

A good card in features, and a high credit limit- but Chase bumped up the APR a LOT when I got hit with one 30+ late on my credit report about two years ago on an unrelated card. (a Capital One) It kills me cause the 30+ late was due to a annual fee on a card i forgot I even had....  Regardless I'm saddled with the high APR still two years later with no further blemishes on my report, and Capital One, the card that I makde the 30+ late payment lowered the APR back on their card and refunded the late fee after I explained to them what happened. I still use the Freedom card, but don't carry a balance to get the 5% back on gas and whatnot. I suppose I could try to open a Sapphire card or maybe an Amazon thruCchase get a lower limit and try to combine cards- but since I'm not carrying a balance anymore its a moot point. Bottom line nice features, huge limit and reasonable APR initially- but don't make a little mistake and carry a balance. When CHASE smells blood they go for the jugular.