Chase Freedom Credit Card Reviews

There is a massive irony in calling this the Chase "Freedom" card when they block a routine $129 Amazon subscription fee, leaving a messy trail of administrative headaches for the cardholder to unravel. Under the guise of "keeping me safe," their automated fraud algorithms strip away the freedom to use your own credit as you choose. A bank trying to protect itself from fraud makes sense, but completely freezing a standard, predictable charge from one of the largest retailers on earth is a major overreach.

Chase Freedom points are taken back by Chase after a secret time frame of a few days. You cancel the card and they retaliate by eliminating your points and the value. Remove the value of your points before Chase rips you off…if that’s what you have in your wallet.

My Chase Freedom Visa all of a sudden is blocking purchases. Harassing me all of the time when I log in the website. I always pay off the full amount of the credit card bill every month and collect my 1.5 percent cash. I have never paid a single penny of interest ever. My credit score is 787. I think people should know about this because I am not the problem, Chase is the problem. This is my money I am spending. I don't need a bank telling me how to spend my money.

I’ve had my Chase Freedom card for over a year. Never missed a payment until I ended up in the hospital for 2 months. As soon as I get out, I paid my card off which was only 54.00 charged. Chase freedom decided to close my account and didn’t care to hear that I wasn’t able to pay my card since I was in the hospital. If I knew they treated their customers like this then I would have never applied to get this card. The customer support is extremely rude. It took them 2 months to notify my credit that my account was paid off just to destroy my credit even more. I will never use them again and all 3 of my kids decided to boycott them as well. I referred 5 people to Chase and all will never use their cards again. Horrible company to do business with. Capital One is amazing and extremely understanding so if you want a real card that actually gives back money then please get a Quicksilver card from Capital one!!! I’d give 0 stars if I could!!!

Terrible customer service. Been trying to authenticate a phone number for days. Too incompetent to do that. Ridiculous.

CHASE FREEDOM IS A JOKE. They don't listen and talking with anyone in customer service is like talking to the wall. I had to use my credit card for an emergency vet visit for my dog. I had a high balance that was over $5,000. I had been making payments of $220 every month and was wondering why my balance wasn't going down. Come to find out I was getting charged with a 28% interest fee. I decided to go to my local federal credit union and get a personal loan for $6,300. I called Chase Freedom that day and told them I was sending out the check to pay off the card completely. I then asked if they could turn my auto pay from my account so I would not be charged for my monthly payment and the lady I spoke with said she turned it off while on the phone.

This past weekend I had to call Chase regarding a credit card problem but they make it very hard to reach them. The number on the back of the card for customer service is 800-524-3880. The other number online is 800-945-2000. When I called both it appears that they are for disputes. That's despite the fact that the dedicated dispute number is listed as 888-489-8452. This weekend I called about a questionable email from Chase and the system told me to call back on Monday and then hung up on me. The prompt asks if the caller is calling about a new or existing dispute. It's pretty stupid that they assume that only reason why someone would call would be for a dispute. There are obviously a lot of other reasons that a customer would call - lost or stolen card, fraud, etc. By purposely using misleading phone prompts it would seem that they are trying to cause confusion so that customers hang up.

Beware of Chase’s deceptive credit limit practices. After 20 years of impeccable account activity and an unblemished payment history, my limit was reduced by $5,000 without any change to my credit profile. They claim this is part of an "opt-out" program—a predatory tactic designed to catch customers off-guard. They send you an "offer" to lower your credit limit and if you do not not respond to it - bang, your credit goes down... This isn't just a clerical issue; it’s a direct hit to a consumer’s credit utilization ratio. Even after a "re-evaluation" (which cost me points on my credit score), they refused to restore the original limit. They are effectively forcing high-standing customers into lower scores. If you value your financial standing, find a bank that doesn’t treat your 20-year history like a liability.

Bad service. I disputed a fake charge 2 months ago and Chase told me I had to get a new card. But they keep charging me on my new account for the same fake charge. They forgot to tell me I did not know I had to say "Block this company" or they would not. Chase admitted that this company has a record of false charges with them. Nasty Chase wants to keep charging me. Of course, I cancelled card.

Worst Bank Ever!!! It’s unbelievable how much they get away with because of money they possess power. As far as customers, I would strongly recommend going with a different bank service. You have a hard time using your card or access to your money.

Up until now my Chase Freedom card has been okay but no sooner did I get enticed with the Chase offers for dining, entertainment and shopping, I was very disappointed. The card did not honor its commitment for cash back on the offers. Each time I telephoned to question the reason for not getting the cash back, I was given a different excuse. Besides their 3 or 4 monthly plan where one has to register to get cash back against different categories of services, Chase posts a string of temporary and tempting offers, that in my experience, it does not honor. In my opinion, for a bank as big as Chase, it does not need to short change customers with such tactics.

Offered a 5,000 point bonus to my Chase Freedom credit card last May if I signed up for automatic payments out of our Chase Checking Account for 6 months. 7 months later they don't have a clue about this offer, so no points for me. I have found 2 websites (not Chase), that mention this same offer, but heck no, don't follow through with it Chase Bank. What a joke!!!!

JP Morgan routinely engages in fraudulent practices with immunity because our government agencies are useless. This Chase Freedom card promises promotional perks but then won't comply with their own stated advertising. In short, they'll do anything to drag you in, but then back off of all stated benefits. Just don't do it.

Beware of this card's promise of Pay Over Time. They promise and misguide every step of the way. Do not fall for it! Then when you call them out and tell them to pull the call, they say there's nothing we can do. Deceitful is what the card should be called!

The interest rate on this card borders on predatory practice. Basically, you will never finish paying the card. Monthly they charge 45.00 dollars interest rate. Customer service horrible. The guy I spoke to told me that the way to avoid the charge is pay it all in month.

Interest rates are much higher on this card. The only zero interest you can get with this card is when you initially get the card. They are nasty rude people working for this company and they extort more interest a month after you have paid off the card. With an 800+ credit score, I can have a credit card from any company I want and I'm telling you to pass on this card. They are abusing people and stealing money. Don't be a victim. Put this company out of business!!!

I booked a hotel through the rewards travel and also had to spend a little money. It was a non-refundable rate, but suddenly, plans changed. Within 24 hours, I tried to cancel online and by phone in the evening. I received recorded messages that they were experiencing technical difficulties and to try back later. I called the next morning. I was told that they would call the property. After waiting on hold, I was told that no one at the property was available to cancel/refund the reservation and that I should call back tomorrow (Monday).

I signed up to get 15% off my purchase. The expiration for the offer was on the 15th. The merchant did not fund the transaction until the 17th. Chase refused to give me the offer because the merchant delayed acknowledging the transaction. The coupon states...Kerastase. 15% back. Offer Details. Earn 15% back on your Kerastase purchase, with a $22.50 back maximum. Shop Now.

Highly disappointed in their handling of their customers. I have had many experiences with credit card companies and the treatment of the customer is levels below other companies. Representatives lack any type of care for the customer when speaking over the phone or chatting online. I had an issue with foreign transaction fees. First time problem with any other card has been handled very easily. I’ve been excused from the fees with supreme kindness on the phone. Chase Freedom Card and their reps failed hard to deliver any type of care in the way they handled the situation. It is not about the $50 or so I was asking to be waived. It is the simple fact that the treatment of the situation was horrible. There are many other credit card companies out there willing to give you the best service. I hope I can save time for the next person when choosing which credit card company to go with. Choose wisely.

I've been a Chase credit card freedom customer since 2007. Never missed a payment, until I did, because I am human, and I forgot. But I paid within the next 48 hrs. They don't only increase my minimum payment in 110%, few days later, they decreased my line of credit in 55% less. I sent an email asking, and they sent this impersonal, kind of robocall message to me letting me know that because I am "delinquent" (yes, the missing payment that I paid right away), and because they "carefully" checked my account, so they decided to do this. Funny fact: 2 other banks increased my lines of credit. I guess somebody is not doing their work or, simply don't care.

A Chase card is most unreliable and unsecure credit card that one could have. It is not convenient to have and use because the attempted purchases decline, even if one has credit available to complete the purchase. It is the only credit card in which the balance versus the available credit does not add up and balances out. Even after all charges are listed and settled, it says that one has a credit balance, but the available credit is, for instance, only one-quarter of the actual credit line. There is something wrong with this scenario. Also, it takes Chase Bank several days, if not longer, to post and clear debits to and from the credit card account.

Since 15 years old I've been doing business with this stupid worthless pile of crap bank known as Chase Bank. Every year I've had to wave overdraft fees and I've had the worst customer service online experience. Monthly service fees below a certain amount. Now I'm 28 years old and switching to TD for good. For not paying my Chase Freedom credit card back then I had to file Chapter 7 bankruptcy. I've filed many CFPB complaints and the bank sucks sucks and still sucks. Not a single good experience. Costs me money every year. They still try to lend to me. No comments. I just pay the bills sucks bank Chapter 7. TD for life lol.

Have been building my credit for 7 years now, started by filing a bankruptcy. Now I'm at 700+ credit score and get preapproved offers from BofA, American Express, and Wells Fargo but still get denied by the only bank that I have had a checking account with for over 20 years. Please note: that if you have anything at all that's negative in your credit history then Chase is the last place on earth you should go!!

I will be brief as possible because my experience with their customer service is lengthy and maddening. OK, one example: The customer service recording is useless. Once it asked me for the last four digits of my card account. I put my number in and was told that it was the incorrect zip code (keep in mind I was asked to put the last four digits of my credit card number). The next time I tried, I was asked for the last four digits of my card again, and was turned away because that was not the correct Social Security number. Being a glutton for punishment, I tried yet again and was asked for the entire account number on the card. I had time enough to enter four of the 16 numbers when I was cut short by the recording. There is no way to get a human being with Chase Freedom card. Unfortunately, Chase offers inferior customer service as too many companies today do.

CHASE FREEDOM DOESN'T STAND BEHIND THEIR CUSTOMERS! I WOULD CHOOSE A MORE CUSTOMER ORIENTED CARD. I WOULD GIVE - 5 STAR. I have a Chase Freedom card that I use a lot. I've been a customer since 2017. My card is paid off every month. As time goes on they do not stand behind their customers. I had a dispute where a store went back on their return policy. I had the receipt so it was in writing but the store wouldn't go along with their own policy so I disputed the charge. Chase Freedom sent me a letter telling me that they had to go along with the store's decision. Not the policy that was in writing, but their decision.

764 score perfect credit with a pre approved email! And still denied!!?? Ok this is not fair just to run my credit and hurt my score there is no good reason whatsoever to have denied me!!! Don’t waste your time with them! There’s much much better credit card companies out there.

I submitted a request to dispute a charge for a virtual gift card that we were NEVER able to redeem. Yesterday I received a notice from Chase Freedom Disputes Department saying the charge was valid! Today I requested the call be escalated and spoke with Supervisor "Jacob" who advised I NEED to send paperwork/emails to them showing the company admitting to the problems with the gift card. I thought that he was kidding, I have no time for this and it will take quite a while to locate all of the emails and go through ALL of them. I realized after going through so many people who disconnect you (Customer Service) and are rude (they used to be so lovely, I have no idea what happened) I did become very angry.

They just lock out your card without your approval/notification in the name of security. I got this card for 0% APR for my personal needs and when needed it wasn’t useful and customer care was not reachable at all. Really a waste of time. Not recommend Chase any further.

Chase Bank provided zero service when dealing with a fraudulent charge on a Visa Card. Strongly recommend using a different bank. When called prior to the transaction being completed they said to call back after the charge was posted. I called back and they stated to send the item back. I stated I couldn't do that that they were flowers and were sent to someone and they were not what I ordered and that they were delivered late. They stated there was nothing they could do. I sent a letter per the website. Letter was responded within 24 hours stating the dispute had been resolved even though they did nothing but send me a letter stating the dispute was resolved. Go to a different bank.

Just got my new Chase Freedom credit card, the application was very easy. Chase is offering some fantastic offers to new customers at the moment. Money back up to 5 % cash back for groceries in the first 12 months. The website is easy to use. SO far, very happy with the choice.

I've had a Chase Freedom card for 6 years and it's been a treat. The customer service is excellent. I pay off my bill every month so I don't carry a balance to comment on the interest rates. I really appreciate the discount programs and point warning programs.

I love my Chase Freedom card. I have access to offers that give me money back and it's has credit monitoring feature which I am pleased with as well.

We have a small business in Northern CA. We use(d) our Chase Freedom Card to fund inventory purchases. After 4 major fires (two required evacuation), Covid, and a virtual monsoon in 2019, Chase decided, in the words of their representative, to be "understanding and helpful" by closing the account for late payments. Incredible. I was encouraged to reapply for another card though. Not again, not ever. If anyone is even considering a Chase account for any reason, we highly encourage you to rethink it. This is a soulless conglomerate and the very epitome of big business gone bad. STAY AWAY!

I have had my Chase Freedom card for approximately 14 years. I love it, and I have recently received the chase freedom unlimited which offers a bit more back in rewards on purchases. I love them both, and I can only think of one time in 14 years that I had an experience with customer service that I did not like, but nothing that made me want to part with my card.

Do yourself a favor and avoid Chase bank, stay away!! They have increased APR when other banks lowered or stopped charging interest charge for 30-90 days due to covid 19 nightmare we are into. I'm paying off my card and close all chase bank accounts. I highly recommend do not ever apply or use any chase cards.

I reported an usual charge and card was canceled without consent. I have been forced to take leave due to lack of mobility options due to not having a credit card to use and unable to pay for goods. No alternative was offered or given while waiting for a new card. I am still waiting to hear from a supervisor from the company.