07-10-2012 06:45 PM - edited 07-10-2012 06:46 PM
Anyone else have a successful PC with Chase recently?
Just got off the phone with Chase and I'm annoyed for sure.
I have held a Slate card with them for 1.5 years or so. Just a month before my one year date I called asking for a PC to Freedom and the phone person told me that I was ineligible until my Slate account was a year old. I finally called again today to ask, and the phone person told me that I am ineligible but I will get a letter in the mail that will allow me to apply for the Freedom card. This is IN ADDITION to my Slate card. So I cannot product change. I just have to open an additional account with them. This is bananas. Now I have to decide if I just sock drawer the card now, or close the account since I anticipate I will NEVER WANT to use this card. I run $5/mo through it on a subscription service and that's it. I guess I could continue that until infinity.
I guess Bank of America is getting my application. If they're willing to give me their cash rewards card at an 12.99% APR, forget Chase Slate at 22.99%. That's an even higher APR than my Kohl's card. Ridiculous.
Transunion FICO: 730 (Mid May 2012).
07-10-2012 08:04 PM
Maybe you got one of their regular front line CSRs who doesn't have the authority to PC from one card to another. I think maybe you need to speak with someone higher up the chain. From everything I've read on this website, after one full year's time, you can indeed do a product change from Slate to Freedom. I don't think you were speaking with the right person.
07-10-2012 08:23 PM
You could try sending a Secure Message... I've used that method to PC several times. Just recently had them change my Freedom MC to a Freedom VISA...
07-10-2012 08:28 PM
There's more to eligibility than just the 1 year mark. I would have them sent you the letter stating the reason you aren't eligible then go from there.
07-10-2012 08:45 PM
You can try going into a Chase banking center and asking for a PC there. I couldn't change my Freedom to a CSP but the rep told me the people at the banking centers have more authority in these things.
07-11-2012 07:05 AM
I was able to PC from Slate to Freedom just yesterday by sending a secure message through my Chase online account.
07-11-2012 07:18 AM
Was the $5 a month charge the only thing you ever put through the Slate?
Follow my financial journey: http://www.frugalrican.com
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.