You can make a Chase Freedom Flex payment online, through the Chase mobile app, over the phone, by mail, or in person at a local Chase branch. Website, mobile app, and phone payments will process faster than the other Freedom Flex payment methods. Payments submitted by 11:59 p.m. ET will typically credit to your account that day, or on your chosen payment date.
How to Make a Chase Freedom Flex Payment
Log in to your Freedom Flex account from the Chase website or mobile app.
Click the “Pay Card” link on the account summary page.
Under “Payment amount details,” select statement balance, current balance, minimum payment, or another amount.
Choose or add a bank account from which the payment amount will be withdrawn, and pick a payment date.
Click the “Pay this bill” button at the bottom of the page.
To pay by phone, call 1 (800) 436-7958 and enter your Freedom Flex card number. When prompted, press the key for payments and enter your payment information. If you choose to send your payment by mail, send a check or money order (no cash) to Cardmember Services, P.O. Box 6294 / Carol Stream, IL 60197. Be sure to include your account number on the front of your payment for faster processing.
Making a Chase Freedom payment is pretty simple, and there plenty of options for doing so.… read full answer
Here’s how to make a Chase Freedom payment:
Online: Log in to your Chase online account on the online payment page. You’ll need to enter the amount you want to pay and the account from which you’ll be withdrawing the money. You can also schedule the payment to go out on or be delivered by a certain day.
Chase mobile app: Download the app from the Apple or Google Play store. Log in to the app using the same information as your online account. Select “Pay Bills.” Tap “Schedule Payment.” You can then select the accounts you want to pay to and from. You can also schedule the payment by picking a “Send on” or “Deliver By” date.
Phone: Call customer service at (800) 436-7958. Enter your full 16-digit account number. Listen for the menu option for making a payment and press the corresponding key. Enter your payment information when prompted.
Chase branch: Go to your local branch and ask the teller to help you make a payment. Be sure you have the information ready for the account from which you want to withdraw the money.
Mail: Send a check, along with your name and the number of the account you’re making a payment to:
P.O. Box 6294
Carol Stream, IL 60197-6294
Do not send cash, as Chase does not allow cash payments.
Overall, it’s fastest to make a Chase Freedom payment either online or by phone. But if you go to a branch, you have the benefit of a professional helping you. And by mail, you can get a certified record of the transaction. Go with whatever Chase Freedom payment method serves you best.
“Too many” credit cards could be anywhere from 2 to 5 or more, depending on the individual. Everyone should have at least 1 credit card for credit-building purposes, even if they don’t use it to make purchases. But it’s hard to say exactly how many credit cards is too many because the … read full answernumber of cards you should have differs from person to person. It depends on how well you can manage 1 credit card, then 2, and so on.
So while 3 credit cards could be too many for one person, someone else might be able to comfortably manage 6. The average adult has 4 credit cards, according to a 2020 Experian report.
If you’re not sure how many credit cards is too many for you, there are a number of factors you can think about when making your decision. In particular, consider your recent spending and payment history. If you’re having trouble paying the full statement balance by the due date on each account you already have open, think twice about applying for another credit card account.
Here's how to determine how many credit cards is too many for you:
Look at your credit report and score. If you have a history of financial mistakes, such as missed payments, you probably don’t want to get more than one card until you prove yourself to be a responsible borrower. Besides, it may be hard to get more than one worthwhile cards with damaged credit, anyway.
Review your utilization and payment history. If you’re maxing out all the cards you have, credit card companies probably won’t want to give you more spending power. Plus, credit card debt can be very expensive, and you don’t want to rack up balances that exceed what you can repay comfortably.
What does the credit card company think? Some issuers have unofficial rules regarding how many credit cards is too many for an applicant to have. If you have too many cards – either overall, or with that specific card issuer – they may deny your application. There are lots of rumors floating around that Chase will deny a credit card application if you have too many credit cards, for example.
Determine how well you’re keeping track of your credit cards. Even if your credit is good and you’ve never forgotten to pay a bill, that doesn’t mean you never will. Having too many open accounts to keep track of can lead to forgotten due dates, interest charges from simply forgetting to pay a credit card in full, and other issues. If you have trouble listing your credit cards from memory, you’re likely to forget to pay one at some point.
There are benefits to having more than one credit card account. Having several credit cards can help you save money by allowing you to get the best collection of rates and rewards for your biggest transactions. For example, you could get a flat-rate cash back credit card for everyday expenses, a bonus rewards card for travel, and a balance transfer card to reduce the cost of existing debt. Having multiple cards can also help your credit score if you keep your utilization low and your payments on time.
What you should watch out for is applying for too many credit cards too quickly. It’s best to not apply for more than one or two per year, as each application puts a hard inquiry on your credit report and temporarily hurts your credit score.
The more data that’s at your disposal, the easier it will be to decide how many credit cards you should have. WalletHub can help with free daily credit score updates and personalized credit-improvement advice.
To redeem Chase Freedom Flex rewards, log into the Freedom Flex account online and navigate to the Chase Ultimate Rewards portal. From there, cardholders will be able to redeem Freedom Flex credit card points for cash back, gift cards, travel, or merchandise from participating retailers. Chase Freedom Flex points are generally … read full answerworth 1 cent each in these categories.
Ways to Redeem Chase Freedom Flex Rewards
When you redeem Chase Freedom Flex points for cash, you can either get a statement credit or a direct deposit into most U.S. checking and savings accounts.
Chase carries over 150 brands of gift cards, including Target, Amazon, and Apple (iTunes).
You can book airfare, hotel stays, and rental car reservations with Freedom Flex points. Plus, Chase allows you to use a combination of points and cash if you don’t have enough points to cover the costs.
“Shop through Chase” lets you redeem points directly for purchases on Chase’s partner websites, such as Amazon.com.
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