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Chase Manhattan Bank - Ever Dance with the Devil in the Pale Moon Light
Freedom Visa Card - Compliment
Review by Churro on 2013-02-08
Rating: 
ANYTOWN USA -- Do you ever wake up in the morning thinking I should post a positive Chase review on the internet? Probably not if you're a moral person on the fast track to heaven living a life of good values and concern for your fellow man. Well my friends that's not me and indeed I'm writing a glowing Chase review.
In Nov 2011 Chase said they'd pay me to get a Chase Freedom Visa card. An offer from Chase how can I lose. So I took the bait.
JUST THE FACTS
$150 cash back when you spend $500 in your first 3 months from account open.
$15,000 initial credit limit
0% APR on purchases and transfers for 15 months
12.99% APR after 15 months
5% cash back on up to $1,500 spent in bonus categories each quarter
1% cash back on all other purchases
No Annual Fee
Standard Signature Visa perks
RESULTS
Cash back received Nov 2011 Thur Jan 2013: $1023.65
Average monthly Float: $8,353.12
Finance Charges: 0
GRADES
Online Banking: B+
Customer Service: A+
Ease of Cash Back Redemption: A+
Overall Satisfaction: A+
SIGNIFICANT ATABOYS
Jan 2012: Recieved $100 to open a Chase Checking Account
Mar 2012: Cordinated my Trip to Germany with Chase. They provided me documentation and worked with a rental car company which allowed me to avoid mandatory rental car insurance. A savings of about 300 bucks. The Chase Rep cordinated with Chase security so that my Chase Freedom card worked in Europe without a hiccup.
FINAL VERDICT
I could not be happier with my Chase experience which is surprising given that Chase is a soulless mega corporate bank hellbent on enslaving mankind to international bankers. I gotta admit though Chase taught me a little bit about myself. Indeed I will dance with the devil if price is right and eh sadly that price really isn't that much. Moving on... I have to commend the Chase CSRs. Always pleasant, knowledgeable, helpful and they speak the English good.
My plan back in Nov 2011 was the same plan I always have for any come on offers from a credit card issuer. Exploit the heck out of the freebies and then dump the card after the introductory offers so that in a year or so I will be considered a bribe-worthy NEW customer again. Not this time. I'm keeping my Chase Freedom card. Yeah, I was that impressed.
If you're looking for a good solid Visa card I say give Chase a chance. You'll be glad you did.
In Nov 2011 Chase said they'd pay me to get a Chase Freedom Visa card. An offer from Chase how can I lose. So I took the bait.
JUST THE FACTS
$150 cash back when you spend $500 in your first 3 months from account open.
$15,000 initial credit limit
0% APR on purchases and transfers for 15 months
12.99% APR after 15 months
5% cash back on up to $1,500 spent in bonus categories each quarter
1% cash back on all other purchases
No Annual Fee
Standard Signature Visa perks
RESULTS
Cash back received Nov 2011 Thur Jan 2013: $1023.65
Average monthly Float: $8,353.12
Finance Charges: 0
GRADES
Online Banking: B+
Customer Service: A+
Ease of Cash Back Redemption: A+
Overall Satisfaction: A+
SIGNIFICANT ATABOYS
Jan 2012: Recieved $100 to open a Chase Checking Account
Mar 2012: Cordinated my Trip to Germany with Chase. They provided me documentation and worked with a rental car company which allowed me to avoid mandatory rental car insurance. A savings of about 300 bucks. The Chase Rep cordinated with Chase security so that my Chase Freedom card worked in Europe without a hiccup.
FINAL VERDICT
I could not be happier with my Chase experience which is surprising given that Chase is a soulless mega corporate bank hellbent on enslaving mankind to international bankers. I gotta admit though Chase taught me a little bit about myself. Indeed I will dance with the devil if price is right and eh sadly that price really isn't that much. Moving on... I have to commend the Chase CSRs. Always pleasant, knowledgeable, helpful and they speak the English good.
My plan back in Nov 2011 was the same plan I always have for any come on offers from a credit card issuer. Exploit the heck out of the freebies and then dump the card after the introductory offers so that in a year or so I will be considered a bribe-worthy NEW customer again. Not this time. I'm keeping my Chase Freedom card. Yeah, I was that impressed.
If you're looking for a good solid Visa card I say give Chase a chance. You'll be glad you did.
Comments:
Posted by DebtorBasher on 2013-02-08:
You'lllllll beeeee sorrrrrrry!!!
Posted by clutzycook on 2013-02-08:
LOL Churro. That was the most entertaining review (not written by yours truly) that I've read here in a long time. :) Chase is my only CC too and I've never had trouble with it (up to this point) either.
Posted by ok4now on 2013-02-09:
I have two Chase cards and have never had an issue with them. The bill is paid promptly and I rarely carry a balance. Having said that my sister fell behind and was late on her payments and skipped a few. The collection dept at Chase came after her like a pack of rabid pit bulls. Unending harassing calls at all hours to her home and cell phone. If the answering machine picked up they would blast loud music in repeated messages. She blocked 10 different phone numbers they were using but they still got through. The interest rate shot up to 30% and the late charges kept piling on, tripling the balance owed. Finally after six months of this unending harassment they stopped. Under federal law they had to and wrote the balance off.
Conclusion: If you owe Chase money pay them on time or they will make your life pure Hell.
Conclusion: If you owe Chase money pay them on time or they will make your life pure Hell.
Posted by Old Timer on 2013-02-09:
Two words: Credit Union.
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