Card Details

Balance Transfer Intro APR 0%* intro for 15 months

Balance Transfer Regular APR 16.49% - 25.24%* Variable

Annual Fee $0

Purchase Intro APR 0%* intro for 15 months

Purchase Regular APR 16.49% - 25.24%* Variable

See Details, Rates, & Fees

Nov 14, 2019

Incomplete account documentation

cgchad Cardholder

I've had this card less than 1 month and already made a good size payment, and that's where the issue began.
What they don't tell you in any documentation is that they will show your balance as lowered by the payment amount, but if you look at your available credit it won't show the payment.

From what the customer service rep told me, they place all new accounts into a payment hold for the first 4 months. On my case nearly a week from payment date to phone call had lapsed and they said it would still be additional time before it cleared.

I ended up calling since I didn't know anything about this "payment hold" and to prove my payment has cleared they did a conference call with my bank, it was only after that that they released the hold..

They said that I would need to repeat that process over the next 4 months.. Other cards I have have never had more than a 2 business day hold.

I'm probably going to take a hit on my credit, but this account is getting closed, and probably before the first bill even is cut.

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Chase Freedom Unlimited® Reviews

3.6 out of 5 stars

132 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

Balance Transfer Intro APR 0%* intro for 15 months
Balance Transfer Regular APR 16.49% - 25.24%* Variable
Annual Fee $0
Purchase Intro APR 0%* intro for 15 months
Purchase Regular APR 16.49% - 25.24%* Variable
See Details, Rates, & Fees

Most Helpful Positive Review

Mar 23, 2019

Got it!

Chargers4life96 Cardholder

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.

Most Helpful Negative Review

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These reviews were written by current and former cardholders in the last year.

Jan 20, 2020

Nothing special

HORNST Cardholder

If you don't use it they will take it away fast.

Jan 10, 2020

Must be one of your first 5 cards

FalconsFan0614 Cardholder

Got approved immediately with fair approval odds, with $2,900 initial limit. Credit score 725 transunion, 721 Equifax, 743 Experian

Jan 06, 2020

Amazing!

BeachbumFL Cardholder

Application process was easy and I was approved within minutes for a $6,000 credit line. I tranfered balances from two other cards where the 0% timeframe was about to run out. Great way to fund small business startup costs for 15 months.

Jan 01, 2020

Best Card Ever!!!

dajor Cardholder

I got Fair Approval Odds with CK!! My score was EX 663, EQ 654. My UT was 38%. Chase pulled my credit from EX and EQ. After applying online sent an email stating will let me know their decision as soon as possible. Forgot to tell you I applied for Discover it prior. Got instance approval for $5,000. (( with 6 inquiries )) Don't listen to that 5/24 rule!! Anyway back to chase!!! I swear I called the status line 10+ times. was told I will get a letter in 30 days. I talked to a rep. asked name, SS #, address then she put me on hold for a min. or 2. Came back and said, you're approved for $2,500. I wanted a credit card with 0% interest and cashback. My dream cards Discover, Chase Freedom, and Citi double cash. Good news and bad new!!! got 2 out of the 3. Citi did the 5/24 rule on me lol.. Discover and Chase didn't do the rule. Just a note all three cards pull EX, but Chase pulls EX and EQ. Hope this helps!! people post great cards start posting credit scores that will really help people before they get a hard inquiry.

Jan 16, 2020

Ipswich101

Thank you. This helps a lot.

Dec 07, 2019

Really Cool

Mzpattoncakes Cardholder

I applied and received a 1500 CL and then one month later my limit doubled. I won't be using all of that but thank you Chase. I also bank with them so making payments is extremely easy. I'm looking into a business card soon...I guess it'll be chase too😊

AlexQiun

Congrats on the new card! What was your credit score when you applied for the card? Would help me make a decision. Thanks

Dec 18, 2019

Marcuan05

When did it double, after you made your first payment?

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