Credit Cards

[mmduluth]

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CS800 wrote:

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mmduluth wrote:

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CS800 wrote:

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mmduluth wrote:

Good question. I think just over 2 years. I got my first auto CLI from 2k to 3k two months ago. That was a long wait but I love the card.

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So you called customer service and asked the if you could PC or you got a message from them offering you the PC?

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I got a message saying that I could product change to the Sapphire. I asked if I could just upgrade my Freedom to a Visa Sig and they said no. Yesterday before I apped for the Sapphire, I called and asked if they were offering a PC for any particular reason and the rep I spoke to was actually very blunt and said that Chase is marketing the Sapphire pretty hard and they are trying to get current customers to switch over. Apparently, if you have a Freedom you can PC.

The only thing is, she said that if you have the Freedom (which has no annual fee) you can't PC to the Sapphire Preferred until you've had it for over a year because the Card Act will not allow it. I say if you're looking to product change, just send them a secured message. They will answer all your questions through there and they are usually really fast about it. Most of mine were less than an hour.

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Good info. I will wait until my Freedom ages a bit

Now a PC is a soft or hard pull?

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That was my first question. The answer I was given was that a PC is always a soft. They only do hard if asking for CLI or apping for a new product.

[CS800]

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mmduluth wrote:

That was my first question. The answer I was given was that a PC is always a soft. They only do hard if asking for CLI or apping for a new product.

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Very nice !

[mmduluth]

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CS800 wrote:

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mmduluth wrote:

That was my first question. The answer I was given was that a PC is always a soft. They only do hard if asking for CLI or apping for a new product.

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Very nice !

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It certainly is. I just wish that a CLI wasn't a hard pull. I use my Chase card wayy more than I use any of the others so that's unfortunate.

[dyv8914]

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mmduluth wrote:

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dyv8914 wrote:

Is the plain Sapphire also Visa Signature or just the Sapphire Preferred?

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I haven't gotten mine yet, but they gave me a choice of Visa Sig or World MC so I guess they are both the same. The only difference is

1. The preferred has metal in the middle that makes it heavier than a normal card

2. You get 2x points on Travel expenses

3. Some kind of annual dividend on the amount of points you've accumulated throughout the year.

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Thanks that's exactly what I wanted to know! 

[mmduluth]

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dyv8914 wrote:

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mmduluth wrote:

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dyv8914 wrote:

Is the plain Sapphire also Visa Signature or just the Sapphire Preferred?

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I haven't gotten mine yet, but they gave me a choice of Visa Sig or World MC so I guess they are both the same. The only difference is

1. The preferred has metal in the middle that makes it heavier than a normal card

2. You get 2x points on Travel expenses

3. Some kind of annual dividend on the amount of points you've accumulated throughout the year.

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Thanks that's exactly what I wanted to know! 

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Just in case I wasn't clear, I got the regular Sapphire. Not the preferred. I don't travel enough to make up for the annual fee, but I eat at enough restaurants and fast food places to where that 2x points on dining is going to be great.

[drkaje]

It doesn't seem like Chase still offers the Freedom Signature Visa.

[CS800]

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drkaje wrote:

It doesn't seem like Chase still offers the Freedom Signature Visa.

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I looked also and couldnt find it mentioned. Are signature visa by invitation only?

[cashnocredit]

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CS800 wrote:

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drkaje wrote:

It doesn't seem like Chase still offers the Freedom Signature Visa.

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I looked also and couldnt find it mentioned. Are signature visa by invitation only?

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I just got a Chase Freedom Siggy last month! When I opened a checking account they offered it along with the other Sapphire cards. The freedom looked like the best deal.

[CS800]

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cashnocredit wrote:

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CS800 wrote:

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drkaje wrote:

It doesn't seem like Chase still offers the Freedom Signature Visa.

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I looked also and couldnt find it mentioned. Are signature visa by invitation only?

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I just got a Chase Freedom Siggy last month! When I opened a checking account they offered it along with the other Sapphire cards. The freedom looked like the best deal.

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So the siggy is by offer only?

[drkaje]

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CS800 wrote:

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cashnocredit wrote:

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CS800 wrote:

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drkaje wrote:

It doesn't seem like Chase still offers the Freedom Signature Visa.

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I looked also and couldnt find it mentioned. Are signature visa by invitation only?

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I just got a Chase Freedom Siggy last month! When I opened a checking account they offered it along with the other Sapphire cards. The freedom looked like the best deal.

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So the siggy is by offer only?

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I may wait until August. My Freedom will be a year old.