Your Freedom Student approval odds are good if you are a student with little-to-no credit, or a credit score of 640+ (at least fair credit). Approval odds for the Freedom Student card will be influenced by your annual income and existing debts, and you need to be 18+ years old. You’ll also need to have a U.S. mailing address and an SSN or ITIN.
What You Need for Good Freedom Student Card Approval Odds
Little to no credit history, or at least fair credit (score of 640+)
Proof that you’re currently a student
Enough income to pay credit card bills
Low debt relative to income
Low housing costs relative to income
U.S. mailing address
Age of 18+
Social Security Number or Individual Taxpayer Identification Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income with no debts and still get approved. To get a better sense of your approval odds before applying for the Freedom Student card, you can check to see if you’re pre-qualified for any offers on the Chase website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
You can sign up for a free WalletHub account and see if you’re likely to get approved before you apply.
Yes, you can upgrade your Chase Freedom® Student credit card to a better offer as long as you’ve had the card for at least 12 months and you will have the best odds if your credit score and income have gone up since you applied. To see if your Freedom Student card qualifies for an upgrade, call customer service at the number on the back of your card. Chase also periodically sends targeted upgrade offers to existing cardholders by email.… read full answer
Freedom Student Card Upgrade: What You Should Know
The account should be open for at least 12 months before requesting an upgrade.
Chase only allows upgrades to cards within the same card family. For example, you cannot upgrade from Freedom Student to a business card or co-branded card.
If you upgrade to a Chase card with an annual fee, the charge will appear on the new card’s first monthly statement.
You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
Freedom Student card upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
A Freedom Student card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 7 - 12 business days from the approval date. Your card may change, and your new card will come with updated expiration date and security code.
You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.
Yes, the Chase Freedom® Student credit card does have a late fee of up to $40, which applies when cardholders don’t make the minimum payment by the due date. The late fee for the Freedom Student Card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.
If you accidentally make less than the required minimum payment or you miss your Freedom Student due date entirely, you can always ask customer service to waive the late fee by calling 800-432-3117. This is much more likely to work if you have a great payment history with Chase, but even if not, there’s no harm in asking.… read full answer
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
Inform the representative that you want a credit card PIN.
Receive the PIN in the mail, over text, or by email. It’s unlikely that Freedom Student customer service will be able to provide a PIN over the phone.
If your credit card had a PIN in the past, but you’ve forgotten or misplaced it, Chase may tell you to look for the PIN before they generate a new one. It may be listed in credit card-related mailings or your online account. And if you need a PIN for a cash advance, it’s important to note that cash advances have high fees and interest rates, so you’ll generally want to avoid them whenever possible.
Finally, keep in mind that even though the Freedom Student credit card has PIN capabilities, it’s still a signature-preferred credit card. This means it may not work at unattended kiosks abroad, like in a train station or parking garage, but you should have little trouble elsewhere.
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