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Senior Contributor
jsucool76
Posts: 3,870
Registered: ‎12-11-2011
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Re: PC Capital One or Chase Freedom

[ Edited ]

Capital one let me PC my platinum to the Cash rewards card the week I got it. I would try the "Chat Now" option first and ask them if you can PC it, if that is a no-go, then try the EO route (provided you've treated your card well). My opinion is always try the regular CSRs first, it doesn't hurt your chances :smileyvery-happy: 

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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: PC Capital One or Chase Freedom


92SelfMade wrote:

Capital One Platinum Rewards is what is says 19.8% apr on it credit limit went from $500 to $750 found out about executive office them from $1000 to to $1300 to $1500 to $1600 to $2500 where it is at now Im looking for card with better apr and cashback


Ask them to add the 1.25% cash back and reduce APR can't hurt I have seen cases were they did it

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Contributor
92SelfMade
Posts: 84
Registered: ‎07-28-2011
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Re: PC Capital One or Chase Freedom

I have eo says they cant help with apr or credit cashback becuase I already have cashback program on current card all they are good for is cli

Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: PC Capital One or Chase Freedom


92SelfMade wrote:

I have eo says they cant help with apr or credit cashback becuase I already have cashback program on current card all they are good for is cli


Thats a bummer 

Sorry:smileysad:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
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Re: PC Capital One or Chase Freedom


parakleet wrote:

I really don't know why you would want to PC your Freedom to a Slate. Typically, the CSP + Freedom is considered the ideal combo to get the most out of Chase's rewards. The Slate is a fine SD card to have for BTs but it gets you no rewards. If you're concerned about the apr on your freedom, I would call them and ask them to lower it. I've had luck getting CCCs to lower my apr especially if I have a long history with them. But really, if you're planning on carrying a balance, then the Freedom probably isn't the card for you. 


+1

 

Freedom is an awesome rewards card with no AF.  If you need a BT card get a slate or perhaps a Discover IT or Citi card with 0 APR for 12+ months.

 

Don't product change the freedom to anything but a CSP if you really travel alot and need the rewards without a HP, but in general its best to AP for new Chase cards, and move credit limits around as needed.

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Senior Contributor
jsucool76
Posts: 3,870
Registered: ‎12-11-2011
0

Re: PC Capital One or Chase Freedom

They might not be able to change your rewards program because you have a discontinued card. I'm sure they CAN do something, but they might have a policy of some sort. One thing I've noticed with cap1 is that you can't ask for a product change, you have to ask them to add/change your rewards program. To them, adding a rewards program, and a product change are something completely different. 

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