Credit Karma said I had an excellent chance for approval so I applied; history of bad credit but have built it up elsewhere. Chase gave me a 6,200 credit line and card was in hand in days. If you pay it off monthly who cares what the interest rate is? I migrated all my outstanding cc balances over and pay 0% on those for 15 months; will have paid off before then. Good people and good card.
I applied for this card with the intentions to utilize the 0% balance transfer for 15 months option. However, what they do not tell you in the card descriptions; "you may be approved for card without having the balance transfer option". I was approved for $6400 without a balance transfer option; when I spoke with customer service they said that balance transfers are a promotional option, which I didn’t qualify for based on my credit worthiness. This doesn’t make much sense... giving the amount of credit line I was approved for and having a 680-700 credit score. Just be aware if you are applying for this card because you would like to use the balance transfer option, there's a great possibility you will not be allowed that option, even if approved.
On the other hand, American express (no affiliation) approved me for a credit line, and the option for balance transfer is standard with approval (not promotional).
These reviews were written by current and former cardholders in the last year.
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Got it!
CK said I have fair odds but applied anyway. Result said they need to review more so I figured oh well and it did hit my score by 3 right away. I have the Sapphire with 8k limit and kept balance really low. Signed on my phone to make my payment and noticed I have the Freedom Unlimited underneath my Sapphire. I was excited to see that I was approved for $6100. Called costumer service to make sure and verify that it’s not a mistake and they said yes it was approved. So with my odds of just fair I think Chase consider your other accounts with them maybe and if you’re in good standing maybe they base it on that as well. My payment history is at 100%. CS is 690 at the moment but I just started building my credit for about 3 years now. So happy to say I’m excited to have this card and will take advantage of that 15 months 0% APR.
Unable to transfer a balance
As other applicants have stated, it says you can transfer, but when it came to that it was not available to do so. Got a nice card limit, but that was it. Kind of useless based on what was presented in the offer from CK.
Call customer service and ask.
Great until jacked up interest rate
I've had this card for many years (more than 15). It was my go to card for unexpected expenses--car repair, medical, etc-because of it's low everyday interest rate (variable, never more than 10%.) Now, suddenly, the rate is over 16%, pretty much unacceptable for any purchase that would need to be paid over time. With a credit score that is anywhere between 750-825, this is not viable for us. I would cancel but they say it will impact our credit score. But probably will...
Did you ever consider rising interest rates? The feds have been raising rates due to the uptick in the economy. Rates from almost every card from every issuer have gone up, but go ahead and blame Chase.
Canceling your credit card means canceling all of your history with that card and it really does impact your credit score badly. If you don’t want to use the card anymore I’d suggest paying it off and not using it ally all. You could even cut it in half so that you don’t use it but don’t cancel it. That way you don’t use the card but your credit score isn’t also impacted negatively.
Horrible Customer Service
I put in a dispute for a $500 bank charge that should have never happened. Chase initally removed the charge pending an investigation. A month later, I was recharged the same amount and was sent a letter in the mail saying that their investigation confirmed that it was a ligitimate change and if I wanted to continue the dispute, I had the let them know by a date THAT WAS IN THE PAST. I called them as soon as the letter arrived in my mailbox and ask them to reopen the case. I said I would send more evidence that it was an erroreous change. Everytime I would email asking for an update, I got the same canned reply, and never a followup, so had the call them many times. One time I called and was told that the correction would appear in the next billing cycle. When I called back a month later, was told the case was closed for months and could not be reopened (even though was told in previous calls that they were still working on it). One customer service person actually told me that as long as I give someone my credit card number, they have the right to charge whatever amount they want, regardless of whether I approved the amount or not. To say dealing with Chase Freedom Unlimited customer service was nightmarish would be a huge understatement. I ended up having the take the bank to small claims court, which I won. Soon after, I cancelled my Chase Freedom Unlimited as well as many of my other Chase Credit Cards.
Great card!
Horrible customer service.
Instant approval, great card
I received instant approval for this card with a limit of 20k. I recommend paying the balance in full each month to avoid interest after the introductory period.
What was your ck score when got this card.
misleading
i have a great credit score and i asked for a lower interest rate , the guy told me there is none. so i will pay it off.
If you have good credit why are you going through credit karma to chose a credit card brah? They only offer bottom feeder cards for all the busted credit credit karma folks.
Great Rewards card
I have had this card for about a year now. I love it. The 1.5% cashback across the board is quite good especially considering there is no anual fee. This is an exellent card to help build credit and it is the one I use to do most of my grocery shopping. I also believe you can use the cash back generated with this card on the Saphire Reserve card which I plan to apply for in the future. As of yet I have not had need to contact chase customer support so I can't speak to that. The rewards are quite easy to redeem. I would highly recommend this card due to its high cashback and lack of an anual fee.
Does it give cash back or do you have to use points to get cash back? If so can you apply the cash to the card or do you have to get a gift card for it and spend more money in order to get the gift card?
John
Simple and useful cash back card.
Credit Karma said I had excellent approval odds for this card. I applied and within minutes was approved for a $3500 credit line. Using the card I've earned hundreds of dollars on regular purchases.
Worth it, if you need credit
0% Apr for first 15 months is really good,if you keep on top of payments. I have really good credit and still managed to get 20%+ interest after the intro apr.. So watch out for fine print. Good points back