Chase Product Changed me WITHOUT Asking… New “One Freedom” Rule? – The Credit Shifu

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Chase just product changed me from the Freedom to the Freedom Unlimited, without asking me. I am wondering if this is because I have two Freedom cards? Although there is no official One Freedom rule like the One Sapphire rule.

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43 comments

starchild5477 November 19, 2021 - 9:23 pm

Still have my Freedom. No changes.

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MXALove November 19, 2021 - 9:28 pm

If you can only have 1 Freedom card it makes the unlimited worthless unless you really really want 1.5% cash back since the Freedom flex does everything plus 5% categories.

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starwreck77 November 19, 2021 - 9:32 pm

still have my og freedom…. so far

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Andrew De Souza November 19, 2021 - 9:37 pm

Just checked – still have my OG freedom as of right now… I have one freedom, one freedom flex, and one freedom unlimited

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ichriscarlson November 19, 2021 - 9:55 pm

I have all 3 but none of mine changed 🤔

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aSlimtube November 19, 2021 - 10:45 pm

Looks like they picked on the one. Chase careful who you pick on 🙂

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TrumpetGapper November 19, 2021 - 10:47 pm

Just checked and I’m still good. I do not currently have the CFF just the CFU, [OG]CF and the CSP. I’ve been thinking about apply for the CFF to get the easy SUB now that I really have all the chase cards I need/want for the long term. Thanks for the notice!

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Gregory G Price November 19, 2021 - 10:54 pm

I know its not a credit card or USA but id love to know what you think to the new Chase UK Bank acc with cash back. as i know you have family i the uK

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Jellyroll2 November 19, 2021 - 11:23 pm

I’m seeing this DP on the myfico forums too. So it’s happening to others as well

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N S November 19, 2021 - 11:26 pm

Is that even legal to force product change without reading the disclosures, without confirmation and without advanced notice? Sounds Wells Fargo-y…

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Edgardo Rodriguez November 19, 2021 - 11:42 pm

The flex you cant use it at Costco

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Points Inbound November 20, 2021 - 12:09 am

Just checked my account and I still have the og Freedom.

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don_chuwish November 20, 2021 - 12:16 am

I hope that’s not what’s up – I have CSP and CFU and just applied for CFF the other day. I was kinda surprised it wasn’t an immediate approval actually.

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smart think November 20, 2021 - 12:38 am

Banks are so shady doing things without notifying you.

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smart think November 20, 2021 - 12:39 am

Chase closed one account at beginning of oandemic without notification

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oazizpharmD November 20, 2021 - 12:44 am

This would be a problem, I have 5 CF between myself and p2.

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michael shay November 20, 2021 - 1:04 am

still have old freedom,unlimited and flex

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Dugroz Reports November 20, 2021 - 1:48 am

It's really cool how you have cameras set up in your house at all times to catch these events, just incase!!! 🙂

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:p :p November 20, 2021 - 3:02 am

same thing happened to me and I also phoned them up. I had the Freedom Student card which was supposed to earn me $20 each anniversary year for 5 years (not a lot, but don't need the unlimited because I have the flex). I did not get any notice of the product change but the woman insists that they definitely would notified me… huh?

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yuichichi November 20, 2021 - 3:11 am

Like for the metal gear sound

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MysteryBop November 20, 2021 - 3:31 am

Hopefully I can still downgrade a Sapphire Preferred to an OG Freedom if/when it stops making sense.

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Re3iRtH November 20, 2021 - 3:40 am

I have all the heavy hitter annual fee cards but I'm exempt from every single annual fee due to being active duty military. When I get out in 2023 the first thing I'm going to do is cancel all my cards with annual fees. Too much to keep track of.
I find I can't be bothered to keep track of and use all the little monthly bonuses and don't use most of them (sans Centurion lounge)

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Dustin Pappalardo November 20, 2021 - 4:13 am

Chase has done this in the past. I had some old products like their universal studios credit card as well as a Facebook credit card( got those in college). I had a freedom card too. They changed one card into another freedom at that time.

Probably cheaper to service current products than legacy products.

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tdc7 November 20, 2021 - 4:22 am

I have two freedoms, one freedom unlimited, and two freedom flexes and this has not happened to me.

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Peter Dawoud November 20, 2021 - 4:54 am

I have two, the old and the new but no changes for me! Strange!

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Christopher Martinez November 20, 2021 - 6:57 am

Still have my OG Freedom. Also have CFU and CSP. Maybe already having the CFU will prevent Chase from PCing me into another CFU?

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Scott Boyd November 20, 2021 - 7:54 am

Where can I learn about that 4% crypto card?

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Andrew Greenfield November 20, 2021 - 5:12 pm

Is it a taxable event everytime you use the Coinbase debit (i.e. are you selling crypto to fund ?) Can you only spend out of usdc balance?

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ThePerfectElement555 November 20, 2021 - 6:06 pm

I have CSR, OG CF, and CFU and it looks like nothing's been changed on my end thankfully. That's definitely weird, it's a good thing they let you change it back!

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knightcrusader November 20, 2021 - 9:26 pm

Oh this happened to me too, and I noticed the 5.5% earn rate as well on my last few walmart purchases. Glad to know it wasn't just me. Oh, and I only have the one Chase Freedom card. That's it, nothing else with Chase.

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Multi Meter November 21, 2021 - 4:36 pm

I think starting a one freedom rule would be a bad business move Shifu. The cards have different purposes, which is why people should have both. Making people only have one would just drive them to another issuer.

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El Tigre November 21, 2021 - 6:57 pm

What if you have Freedom, Flex and the FU. One each.

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johnnyXXX November 21, 2021 - 7:06 pm

Just checked my account and they DID NOT do the same thing to me (luckily). I'm going to be keeping an eye out if they try to pull that move. NOT ON MY WATCH! I want to keep my double 5% bonus limit and flex on the new freedom cardholders who didn't get the OG freedom haha 😀

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Flying Mania November 22, 2021 - 4:05 am

I had an OG free United Card that was Converted to the Gateway Card. Although this was technically an upgrade I was mad there was no notice about it.

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Alex Pirate November 22, 2021 - 4:44 pm

I have the og one and two freedom unlimited I hope they don’t change it into another one

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chrisflo24 November 23, 2021 - 2:31 am

I got scared I had to go check to make sure I had my old Freedom card still. Luckily everything is still the same on my end lol

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Zach's Credit Card Guide November 23, 2021 - 2:34 pm

Data point: I have an old Freedom and an Unlimited and both remain untouched. Very interesting and sneaky move by Chase IMO.

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Cesar Coronel November 23, 2021 - 3:34 pm

They upgraded my student freedom to the freedom unlimited after I got the freedom flex. I called to let them know I was unhappy with this but they said nothing could be done.

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George Magana November 23, 2021 - 9:42 pm

I would close card immediately!

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Adam R November 23, 2021 - 9:54 pm

Tell Jamie to leave us alone!!

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Simon Cohn-Gruenwald November 23, 2021 - 10:04 pm

I still have mine if it counts! Also have a flex and unlimited already

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Chris Salley November 24, 2021 - 10:40 am

This video inspired me to apply for the freedom flex… thank you Shifu!

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SamsungLG November 28, 2021 - 11:06 pm

Must be an intern at the bank, ya know, benefit of the doubt

Perhaps Chase should upgrade to a more experienced banker, just saying

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