Comments on: Chase Freedom Plus - received first statement http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/ News, Tips and Resources for Online Bargain Hunters Sun, 07 Sep 2008 13:23:58 +0000 http://wordpress.org/?v=2.0.4 by: jackelope http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-30062 Wed, 07 May 2008 04:24:09 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-30062 Since I signed up for a Freedom World card last year (switching from cash to points in month 1), it's been an exceptional product. I was intriuged by the notion of the Plus card, but a $30 annual rewards program fee to eliminate the 1200 point cap isn't a bad tradeoff in my estimation. If they can match a fixed 10% APR or allow existing accounts to transfer despite that being a move from World Mastercard to Visa Signature, that would be enough to give it serious consideration. Since I signed up for a Freedom World card last year (switching from cash to points in month 1), it’s been an exceptional product. I was intriuged by the notion of the Plus card, but a $30 annual rewards program fee to eliminate the 1200 point cap isn’t a bad tradeoff in my estimation. If they can match a fixed 10% APR or allow existing accounts to transfer despite that being a move from World Mastercard to Visa Signature, that would be enough to give it serious consideration.

]]> by: michael reilly http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29856 Tue, 01 Apr 2008 16:46:24 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29856 if i spend at least 6,000 dollors a year is the chase freedom plus card a good card.if i spend 300 on food and 200 on gas for one month how much cash do i earn in cash.thanks if i spend at least 6,000 dollors a year is the chase freedom plus card a good card.if i spend 300 on food and 200 on gas for one month how much cash do i earn in cash.thanks

]]> by: Yan http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29799 Thu, 27 Mar 2008 23:04:24 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29799 Chad, thanks for the heads up. I just <a href="http://probargainhunter.com/2008/03/27/merchant-categories-on-chase-freedom-statement/" rel="nofollow" rel="nofollow" rel="nofollow">made a list</a> out of these "Other" merchants. I think it will be useful to have a place to track them somewhere so we can take advantage of other cards when shopping at these places. Chad, thanks for the heads up. I just made a list out of these “Other” merchants. I think it will be useful to have a place to track them somewhere so we can take advantage of other cards when shopping at these places.

]]> by: Chad http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29796 Thu, 27 Mar 2008 21:46:22 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29796 Wal-Mart is not a department store. And it is also not a grocery store. It is a discount store. TJMaxx and Target are also likely not considered in the same category of stores as a Macys or JCPenney. The other issue is that it is up to the retailer to have the proper classification when they process the charge. It is not Chase's responsibility to make sure that the Walgreens you visit has their merchant account setup to appear as a drug-store. Perhaps they have chosen to be a more general transaction and therefore Chase can't force them to do otherwise. I agree it isn't ideal if something that is truly a drugstore isn't being credited as one. But I wouldn't expect them to have a way to change the system of giving the retailer the power of deciding their category. But Kohl's should know better! :) Wal-Mart is not a department store. And it is also not a grocery store. It is a discount store. TJMaxx and Target are also likely not considered in the same category of stores as a Macys or JCPenney. The other issue is that it is up to the retailer to have the proper classification when they process the charge. It is not Chase’s responsibility to make sure that the Walgreens you visit has their merchant account setup to appear as a drug-store. Perhaps they have chosen to be a more general transaction and therefore Chase can’t force them to do otherwise. I agree it isn’t ideal if something that is truly a drugstore isn’t being credited as one. But I wouldn’t expect them to have a way to change the system of giving the retailer the power of deciding their category. But Kohl’s should know better! :)

]]> by: Yan http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29795 Thu, 27 Mar 2008 21:32:36 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29795 I sent this (below) to the customer service 7 days ago and still haven't heard back. --- Transactions for the following merchants have been categorized as "Other" in my credit card activity, and subsequently they are not taken into account when bonus rewards are calculated. These are very well known grocery and department stores in the US, in fact Wal-Mart is the #1 in the world. Please fix the problem as soon as possible. Thanks. JEWEL-OSCO Dominicks Stor WALGREENS MEIJER INC WAL-MART TARGET KOHL'S TJMAXX DICK'S CLOTHING&SPORTING BED BATH & BEYOND I sent this (below) to the customer service 7 days ago and still haven’t heard back.

—
Transactions for the following merchants have been categorized as “Other” in my credit card activity, and subsequently they are not taken into account when bonus rewards are calculated. These are very well known grocery and department stores in the US, in fact Wal-Mart is the #1 in the world. Please fix the problem as soon as possible. Thanks.

JEWEL-OSCO
Dominicks Stor
WALGREENS
MEIJER INC
WAL-MART
TARGET
KOHL’S
TJMAXX
DICK’S CLOTHING&SPORTING
BED BATH & BEYOND

]]> by: Chad http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29794 Thu, 27 Mar 2008 20:55:16 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29794 This is a great forum for discussing the benefits of the Chase Freedom cards. I have used the Chase Freedom card for nearly a year and have already received 2 $250 checks. And I also use an Amex card for Costco. And after reading the articles on this site a few weeks ago, I applied for the "Plus" version of the card. I received the card just in time to purchase several appliances which I hope will apply to the department store category. This purchase alone with the 10,000 miles (which can be converted to points or the cash rewards via a phone call or even easier - the online banking site - you have to dig a little to get to it, but it is there) should give me another quick $250 check. One commenter asked how the 10,000 miles worked - they may have a system of transferring to another airline, but in essence it is $100 worth of value or $125 if you save up the cash rewards to redeem for $250. I saw that $125 as a nice way to cover the $30 membership fee for a few years. To answer the questions about what categories are included in the "15" - this is the list from the Chase site: grocery stores (that are not affiliated with or departments of superstores, warehouse clubs or discount stores), gas & convenience stores, quick service payment/fast food restaurants, telecommunications, cable/satellite TV/Internet Service Providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation (including ferries, bridges, tolls, parking garages, taxis/limos), pet supply stores and veterinary services, utilities, beauty shops (salons and spas), or gym/recreation memberships. In the article, there was some question about if these categories covered everything. Well, they don't, but they cover a lot of the common rewards categories. And you still receive 1% on the "other" spending. The only area I miss is a general restaurant category. I wouldn't expect them to add a charity category though - that would be sort-of counter productive, but good if you wanted to cheat the tax man. Bottom line. This is the best card and most used card(s) in my wallet. If you have decent credit, get one. This is a great forum for discussing the benefits of the Chase Freedom cards. I have used the Chase Freedom card for nearly a year and have already received 2 $250 checks. And I also use an Amex card for Costco. And after reading the articles on this site a few weeks ago, I applied for the “Plus” version of the card. I received the card just in time to purchase several appliances which I hope will apply to the department store category. This purchase alone with the 10,000 miles (which can be converted to points or the cash rewards via a phone call or even easier - the online banking site - you have to dig a little to get to it, but it is there) should give me another quick $250 check. One commenter asked how the 10,000 miles worked - they may have a system of transferring to another airline, but in essence it is $100 worth of value or $125 if you save up the cash rewards to redeem for $250. I saw that $125 as a nice way to cover the $30 membership fee for a few years.

To answer the questions about what categories are included in the “15″ - this is the list from the Chase site: grocery stores (that are not affiliated with or departments of superstores, warehouse clubs or discount stores), gas & convenience stores, quick service payment/fast food restaurants, telecommunications, cable/satellite TV/Internet Service Providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation (including ferries, bridges, tolls, parking garages, taxis/limos), pet supply stores and veterinary services, utilities, beauty shops (salons and spas), or gym/recreation memberships.

In the article, there was some question about if these categories covered everything. Well, they don’t, but they cover a lot of the common rewards categories. And you still receive 1% on the “other” spending. The only area I miss is a general restaurant category. I wouldn’t expect them to add a charity category though - that would be sort-of counter productive, but good if you wanted to cheat the tax man.

Bottom line. This is the best card and most used card(s) in my wallet. If you have decent credit, get one.

]]> by: Yan http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29757 Mon, 24 Mar 2008 22:34:52 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29757 Jay: My story was similar when I spoke to the rep on the phone. The online application however clearly mentions that there is a $30 annual fee (waved for the first year). Danny D: I don't know about the miles. In fact I called last week and switched from miles/points to cash. I was told the old trick (collect $200 in rewards and get a check for $250) works with the new card as well, which was great. There was just one problem. After I made the switch they sent me a new card which didn't have "Plus" on it. I called and spoke to a rep who confirmed my "Plus" card was changed to a legacy Chase Freedom. WTF!?! Just 5 minutes of my screaming and shouting at them and the issue was solved. ;-) Jay:

My story was similar when I spoke to the rep on the phone. The online application however clearly mentions that there is a $30 annual fee (waved for the first year).

Danny D:

I don’t know about the miles. In fact I called last week and switched from miles/points to cash. I was told the old trick (collect $200 in rewards and get a check for $250) works with the new card as well, which was great.

There was just one problem. After I made the switch they sent me a new card which didn’t have “Plus” on it. I called and spoke to a rep who confirmed my “Plus” card was changed to a legacy Chase Freedom. WTF!?!

Just 5 minutes of my screaming and shouting at them and the issue was solved. ;-)

]]> by: Jay http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29756 Mon, 24 Mar 2008 22:18:45 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29756 I called to switch from my regular Freedom card to the one with 15 categories and the CSR said, "I guess you want to sign up for the Freedom Plus program then?" I asked if that's the one where I earn cashback on 15 categories and they said yep. I asked many times in many ways making sure that there are no fees whatsoever with this program. They said, "There are no fees at all. If there are fees, we are required to inform you about it." If I see that $30 charge, I'm going to complain and get that sucker waived. I called to switch from my regular Freedom card to the one with 15 categories and the CSR said, “I guess you want to sign up for the Freedom Plus program then?” I asked if that’s the one where I earn cashback on 15 categories and they said yep. I asked many times in many ways making sure that there are no fees whatsoever with this program. They said, “There are no fees at all. If there are fees, we are required to inform you about it.” If I see that $30 charge, I’m going to complain and get that sucker waived.

]]> by: Danny D http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29703 Fri, 21 Mar 2008 10:47:36 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29703 What exactly are the 10,000 MILES you get with first purchase? Can these "miles" be transferred to say Continental OnePass or American AAdvantage for example? 10000 real miles (that i could transfer) would be useful. Thanks What exactly are the 10,000 MILES you get with first purchase?

Can these “miles” be transferred to say Continental OnePass or American AAdvantage for example?

10000 real miles (that i could transfer) would be useful. Thanks

]]> by: Bill Levine http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29673 Tue, 18 Mar 2008 20:38:35 +0000 http://probargainhunter.com/2008/03/10/chase-freedom-plus-received-first-statement/#comment-29673 No,as far as I can tell,"other,etc."are not catagories...maybe they have something to do with the Year End Summary. I look over my statements very carefully and the top six categories I used are always correct and the cash rebates are accurate. However, problems can occur because the merchants choose the category in which they would like their transaction items to be listed. I have not seen any of these problems yet in my statements. No,as far as I can tell,”other,etc.”are not catagories…maybe they have something to do with the Year End Summary.

I look over my statements very carefully and the top six categories I used are always correct and the cash rebates are accurate.

However, problems can occur because the merchants choose the category in which they would like their transaction items to be listed. I have not seen any of these problems yet in my statements.

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