#Chase freedom flex manual#

As simplynoir mentioned your only goal is to get the card - it's straightforward to shift limits around between your personal cards to your satisfactiona after the would leave it be and see what Chase does with the application. It's also the approach to take if you are denied - call in an request a reconsideration and if the UW does not suggest shifting over limits speak up and offer yourself have limits shifted from one of your existing cards. Agent mentioned her total CL with Chase and she offered to take limit from another card to get an approval This is what my friend did when she applied for a Chase card a few months ago.

#Chase freedom flex manual#

If it goes to manual review then you can proactively ask them to shift limits around to accommodate the approval process. Should the limit of your new CFF not be to your liking then a simple SM or phone call can reallocate limits to fit your needs Maybe they'll approve you and won't have to do anything at all. I would appreciate some feedback on what people think is the better would leave it be and see what Chase does with the application. The other approach is just do the app and react to what happens in a 'reconsideration' process. I'm inclined to approach Chase proactively on this via a private message before I app. I really don't see using the CF much going forward unless my spending aligns in a particular quarter, so I am more than willing to slash that limit and move it to a CFF. On top of that, I have a Chase auto loan balance of $10K that will run out in 15 months. My history with Chase and my overall credit profile is solid.Īfter reading this post, I might have an issue.Ĭombined, my existing Chase cards (Freedom-$30K Amazon Prime $8.2K) are a little over 50% of my reported income. By maximizing this benefit, you can potentially put $280 back in your pocket each year, which more than covers the cost of a Costco membership (which starts from $60 per year).I plan to app for the new CFF MC to take advantage of the SUB and the 5% groceries for 12 months for a new card. If you're hunting for a solid discount this summer, consider pairing your Costco gas purchase with the Costco Anywhere Visa® Card by Citi, which lets you earn 4% cash back on eligible gas for the first $7,000 per year, then 1% cash back after that point. Plus, you'll need to be a Costco member, which requires you to pay a yearly membership fee. You can regularly find Costco and other wholesale clubs selling gas for less than your local gas station - one drawback, however, is you may have to wait in long lines if you go there during peak hours. Purchase gas from a wholesale clubĬostco is a favorite of mine for many reasons, but mainly for its affordable fuel. Besides reducing your time on the road or using public transportation, here are a few more options to consider. This can be an especially solid option if you need to make a home improvement or purchase a vehicle.Įveryone is searching for ways to save more money on gas as prices continue to soar to record highs. Lastly, if you're looking to finance a large purchase with no interest, this card comes with a 0% introductory APR for the first 15 months from account opening, which you can use for purchases and balance transfers (variable APR of 16.49% - 25.24% afterward).

The card also comes with valuable benefits such as cell phone protection, extended warranty and purchase protection, trip cancellation and interruption insurance, fraud monitoring and credit score services, rental car insurance (via auto rental collision damage waiver), access to travel and emergency assistance, a complimentary one-year subscription to ShopRunner and cardholder deals and discounts with Lyft, Fandango and HelloFresh.

3% cash back for purchases made at drugstores.

3% cash back for dining at restaurants, ordering takeout and dining through certain delivery services.

5% cash back for travel purchased via the Chase Ultimate Rewards® travel portal.

5% cash back for spending on rotating categories - listed on the Chase Freedom category calendar - for up to $1,500 in combined purchases each quarter, upon activation.

As you spend with the card, you will earn:

New cardholders can earn $200 in cash back after spending $500 within the first three months of card membership. The Chase Freedom Flex℠ is a solid no annual fee cash-back credit card for consumers looking to save money on their daily purchases.