Does the Freedom Student card report to credit bureaus? This question is about the Chase Freedom® Student credit card

Does the Freedom Student card report to credit bureaus?

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This question is about the Chase Freedom® Student credit card

Chip Lupo, Credit Card Writer

@CLoop • 11/07/22 This answer was first published on 11/07/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the Freedom Student card reports to the credit bureaus every month, within days after the cardholder’s billing period closes. Chase reports the card’s credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.

Once the Freedom Student card reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on your credit report. Keep in mind that new Freedom Student cardholders may not see any credit account info on their credit report for one or two billing periods after being approved for an account.

To see what information Chase is reporting to the credit bureaus on your Freedom Student card account and when it’s being reported, sign up for a WalletHub account for daily updates on both your credit report and your credit score.

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Can you upgrade a Freedom Student credit card?

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.

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Does the Freedom Student Card have a late fee?

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...

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How do you get a Freedom Student Credit Card PIN?

To get a Freedom Student PIN, call the number on the back of the Freedom Student card and ask customer service for a PIN You will likely need to wait for the PIN to arrive via email, text, or mail.

Best Way to Get a Freedom Student Credit Card PIN

Call Chase customer service at 1-800-297-4970 or call the number on the back of your Freedom Student credit card.
Inform the representative that you want...

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