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> Chase Freedom Officially Sucks as of June 30
Shawnee
post May 11 2009, 02:01 PM
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IPB

784 -- Days since my last application for credit
 
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Googie
post May 11 2009, 02:01 PM
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The MoneyMaker

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GEORGE
post May 11 2009, 02:03 PM
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TRADE CARDS there are 100's of them

http://creditboards.com/forums/index.php?showtopic=394863

This post has been edited by GEORGE: May 11 2009, 02:03 PM


IPB

CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF???

"AVAILABLE" is not debt
That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business)
GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED???
My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D.
I have a license to drive a car/truck...it is not a permit to use my signed credit card
DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS???
Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences)
Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS)
OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out
 
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Shawnee
post May 11 2009, 02:06 PM
Post #3


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QUOTE (GEORGE @ May 11 2009, 03:03 PM) *


And they're cutting the rewards on all of them. Chase, meet my sockdrawer.


IPB

784 -- Days since my last application for credit
 
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wanabe
post May 11 2009, 02:09 PM
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QUOTE (GEORGE @ May 11 2009, 02:03 PM) *


There is no card that was like that one to trade. laugh.gif


IPB

TransUnion
764 Date: 5/02/2010

Equifax
769 Date: 9/04/2010

Experian
785 Date: 2/12/2009 (Last Known Score)
 
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wanabe
post May 11 2009, 02:14 PM
Post #5


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I hope the change is not for the Plus card too. mad.gif
Hopefully I will get my last $250 check if they ever update my
rewards. I knew something was happening. I called to see if
I could request my check over the phone and was told I have
to wait until my rewards udate. I am sitting with $200.03 in
rewards waiting to hit the button.


IPB

TransUnion
764 Date: 5/02/2010

Equifax
769 Date: 9/04/2010

Experian
785 Date: 2/12/2009 (Last Known Score)
 
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shaft
post May 11 2009, 02:15 PM
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ohmy.gif ohmy.gif ohmy.gif ohmy.gif ohmy.gif ohmy.gif
NO!!!!!!!!!!!!!!!!!!!!!!!!!!
It can't be true!
This officially sucks royal gluteus maximus.


IPB

 
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TrevorHere
post May 11 2009, 02:15 PM
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Why? huh.gif


IPB


Unless you try to do something beyond what you have
already mastered, you will never grow. - Ralph Waldo Emerson
 
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TrevorHere
post May 11 2009, 02:16 PM
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QUOTE (Shawnee @ May 11 2009, 02:06 PM) *
QUOTE (GEORGE @ May 11 2009, 03:03 PM) *


And they're cutting the rewards on all of them. Chase, meet my sockdrawer.


How do you know?

I hope not...


IPB


Unless you try to do something beyond what you have
already mastered, you will never grow. - Ralph Waldo Emerson
 
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athensgaguy
post May 11 2009, 02:17 PM
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I decided the BP Visa was the best Chase card I could get.


IPB

UH-Oh, Spa-doody-ohs!
 
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hdporter
post May 11 2009, 02:19 PM
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Is the $30 Freedom Plus upgrade (first year fee waived) still available to retain the rebate structure?
 
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GEORGE
post May 11 2009, 02:20 PM
Post #11


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QUOTE (athensgaguy @ May 11 2009, 01:17 PM) *
I decided the BP Visa was the best Chase card I could get.

No BP here...


IPB

CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF???

"AVAILABLE" is not debt
That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business)
GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED???
My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D.
I have a license to drive a car/truck...it is not a permit to use my signed credit card
DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS???
Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences)
Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS)
OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out
 
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TrevorHere
post May 11 2009, 02:21 PM
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QUOTE (hdporter @ May 11 2009, 02:19 PM) *
Is the $30 Freedom Plus upgrade (first year fee waived) still available to retain the rebate structure?


If this is the direction they are going, I wouldn't count on it. Bad biz decison...


IPB


Unless you try to do something beyond what you have
already mastered, you will never grow. - Ralph Waldo Emerson
 
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Shawnee
post May 11 2009, 02:23 PM
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QUOTE (TrevorHere @ May 11 2009, 03:16 PM) *
QUOTE (Shawnee @ May 11 2009, 02:06 PM) *
QUOTE (GEORGE @ May 11 2009, 03:03 PM) *


And they're cutting the rewards on all of them. Chase, meet my sockdrawer.


How do you know?

I hope not...


It has been reported in several news stories. Their credit card division had a net loss last year for the first time, IIRC around a $560 million loss.


IPB

784 -- Days since my last application for credit
 
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shaft
post May 11 2009, 02:24 PM
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There aren't any other good options with Chase to choose from.
I might just combine the limit with my Amazon.


IPB

 
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GEORGE
post May 11 2009, 02:25 PM
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I have CHASE UNITED VISA and FLEXIBLE (was WAMU)

When the FLEXIBLE BT (carry over from WAMU) is PIF I will probably do a 2 into 1 and close FLEXIBLE

This post has been edited by GEORGE: May 11 2009, 02:26 PM


IPB

CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF???

"AVAILABLE" is not debt
That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business)
GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED???
My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D.
I have a license to drive a car/truck...it is not a permit to use my signed credit card
DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS???
Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences)
Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS)
OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out
 
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Shawnee
post May 11 2009, 02:27 PM
Post #16


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By the way, I love how Chase sticks to their usual MO of deception masquerading a rewards cut as some sort of new benefit. On the outside of the envelope was this promising statement:

GOOD THINGS ARE COMING FROM CHASE FREEDOM

I don't call a cut from 3% to 1% a "good thing". mad.gif


IPB

784 -- Days since my last application for credit
 
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wanabe
post May 11 2009, 02:30 PM
Post #17


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QUOTE (hdporter @ May 11 2009, 02:19 PM) *
Is the $30 Freedom Plus upgrade (first year fee waived) still available to retain the rebate structure?


I hope my pick of that one keep me in a little while longer.


IPB

TransUnion
764 Date: 5/02/2010

Equifax
769 Date: 9/04/2010

Experian
785 Date: 2/12/2009 (Last Known Score)
 
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shaft
post May 11 2009, 02:33 PM
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AND they lowered the cash back % in Chase Rewards Plus. mad.gif


IPB

 
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GEORGE
post May 11 2009, 02:37 PM
Post #19


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QUOTE (Shawnee @ May 11 2009, 01:27 PM) *
By the way, I love how Chase sticks to their usual MO of deception masquerading a rewards cut as some sort of new benefit. On the outside of the envelope was this promising statement:

GOOD THINGS ARE COMING FROM CHASE FREEDOM

I don't call a cut from 3% to 1% a "good thing". mad.gif

Don't want to pull out the "P" word...but that was what they did with some funding for schools (more than a few years ago)

$10,000,000 increase from the prior year "CUT" to only $8,000,000 increase ($2,000,000 "CUT")

rolleyes.gif

AMEX dumped "ALWAYS DOUBLE MILES" on 01/01/2009 mad.gif

That helped HOW???

This post has been edited by GEORGE: May 11 2009, 02:37 PM


IPB

CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF???

"AVAILABLE" is not debt
That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business)
GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED???
My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D.
I have a license to drive a car/truck...it is not a permit to use my signed credit card
DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS???
Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences)
Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS)
OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out
 
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wanabe
post May 11 2009, 02:37 PM
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QUOTE (shaft @ May 11 2009, 02:33 PM) *
AND they lowered the cash back % in Chase Rewards Plus. mad.gif


Details?


IPB

TransUnion
764 Date: 5/02/2010

Equifax
769 Date: 9/04/2010

Experian
785 Date: 2/12/2009 (Last Known Score)
 
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TrevorHere
post May 11 2009, 02:38 PM
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So let me get this straight, Chase believes they are going to reverse their losses by butchering the rewards on credit cards? huh.gif

This will encourage more business from their customers?

This reasoning contributes as to why they are in the sewer to begin with...

This post has been edited by TrevorHere: May 11 2009, 02:41 PM


IPB


Unless you try to do something beyond what you have
already mastered, you will never grow. - Ralph Waldo Emerson
 
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Shawnee
post May 11 2009, 02:42 PM
Post #22


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QUOTE (TrevorHere @ May 11 2009, 03:38 PM) *
So let me get this straight, Chase believes they are going to reverse their losses by butchering the rewards on credit cards? huh.gif

This will encourage more business from their customers?

This reasoning contributes as to why they are in the sewer to begin with...


Same mentality that goes on with the RJing. BofA recently butchered World Points and we all know how Citi has butchered several good rewards cards. What's next, the return of annual fees for most cards?


IPB

784 -- Days since my last application for credit
 
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GEORGE
post May 11 2009, 02:46 PM
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QUOTE (TrevorHere @ May 11 2009, 01:38 PM) *
So let me get this straight, Chase believes they are going to reverse their losses by butchering the rewards on credit cards? huh.gif

This will encourage more business from their customers?

This reasoning contributes as to why they are in the sewer to begin with...

Like FR/CLD/TOTAL CLOSURE/APR JACKAGE helped AMEX

dntknw.gif

Ooops forgot AMEX can do no wrong


IPB

CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF???

"AVAILABLE" is not debt
That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business)
GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED???
My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D.
I have a license to drive a car/truck...it is not a permit to use my signed credit card
DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS???
Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences)
Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS)
OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out
 
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jlp58
post May 11 2009, 02:48 PM
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QUOTE (shaft @ May 11 2009, 02:24 PM) *
There aren't any other good options with Chase to choose from.
I might just combine the limit with my Amazon.


(possible) +1

I was just about to convert my non-rewards Chase VISA to a Freedom card but now am thinking seriously about combining it with my Amazon VISA, instead.
 
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ademas
post May 11 2009, 02:50 PM
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I would love to play the credit card version of "Rock, Scissors, Paper" with George.
 
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