I didn't receive my bonus money, or is it just a gimmick?

[Lizaa]

I applied for a Chase Freedom card with the promise of a $200 bonus and 0% APR. Why did I not receive the promised bonus, and why did I have to pay a $50 annual fee?

[Kaile]

It's always better to double-check the terms and conditions before applying. As far as I know, that $200 bonus usually requires meeting a spending minimum within the first few months, and there are no annual fees.

It is possible that you may have selected some other service for $50. It's better to have a word with Chase customer service and clarify your doubts.

[Mark]

You may have accidentally applied for the wrong Chase card. The Freedom cards usually have no annual fee and offer a $200 bonus when you meet the spending requirement. Check your approval email, and consider calling Chase to confirm which card you received.

[Lizaa]

@Mark Yes, you are correct. I just realized I applied for the wrong Chase card. I plan to first examine my approval email along with the terms of the bonus. However, can I simply contact Chase to make the switch? I'm looking for a solution before this is finalized, as a no-fee Freedom card could be a better long-term option than a high-fee card.