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Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
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PC: Chase Sapphire Preferred to regular Sapphire

Has anyone done this before? Can you keep your old metal card and have the account function as a regular Sapphire?

 

Just curious for those that have done it when their AF is due. 

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
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Re: PC: Chase Sapphire Preferred to regular Sapphire

Call and ask if you're eligible, a rep will have to check the system for you.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Moderator Emeritus
Posts: 12,934
Registered: ‎12-30-2011
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Re: PC: Chase Sapphire Preferred to regular Sapphire


SwiftTone wrote:

Has anyone done this before? Can you keep your old metal card and have the account function as a regular Sapphire?

 

Just curious for those that have done it when their AF is due. 


Any reason you want to change?  From your spend posted in the other thread, I'd be astonished if you weren't going to easily justify the AF?

 

Anyway I think it goes both ways with the CARD act: I know they couldn't PC you within a year from no AF, to a card with AF, and I think it may be the same (since the CSP has an AF and the CS doesn't).  I would be wrong about that, but if not, you're looking at month 13 before PCing.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
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Re: PC: Chase Sapphire Preferred to regular Sapphire

I don't think they will allow you to keep using the metal CSP card if you downgrade to a plain CS. I remember asking this question when I was approved for a CSP a couple of months ago.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

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Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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Re: PC: Chase Sapphire Preferred to regular Sapphire

It's amazing how a little metal in a card is the primary concern
               LIMITS IN CARD DESCRIPTIONS
Moderator Emeritus
Posts: 12,934
Registered: ‎12-30-2011
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Re: PC: Chase Sapphire Preferred to regular Sapphire


Crashem wrote:
It's amazing how a little metal in a card is the primary concern

Heh, looked at it that way, it's no different than:

- obtaining a FICO score being a primary concern for having an account (ok maybe a little different than that)

- Maintaining that one extra point so one has a 800 FICO instead of a 799

- Add your own semi-goofy forum rationale here, there's plenty of them for how people judge themselves.

 

We all have little foibles, ain't no big thing.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
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Re: PC: Chase Sapphire Preferred to regular Sapphire


Crashem wrote:
It's amazing how a little metal in a card is the primary concern

Try forgeting your metal card in your pocket while going through the TSA at the airport...you get some extra love and attention from the TSA agents.

 

TSA Agent (female): 'Sir please step aside' spread your legs and lift your arms up.

 

Me: Oh well ma'am we just met and i dont even know your name LOL




Regular Contributor
Posts: 565
Registered: ‎06-12-2010
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Re: PC: Chase Sapphire Preferred to regular Sapphire


CS800 wrote:

Crashem wrote:
It's amazing how a little metal in a card is the primary concern

Try forgeting your metal card in your pocket while going through the TSA at the airport...you get some extra love and attention from the TSA agents.

 

TSA Agent (female): 'Sir please step aside' spread your legs and lift your arms up.

 

Me: Oh well ma'am we just met and i dont even know your name LOL



I have not seen a female TSA agent that would make me do anything short of turning around, running, screaming and praying that I get shot first Smiley Tongue


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Valued Contributor
Posts: 1,277
Registered: ‎09-22-2009
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Re: PC: Chase Sapphire Preferred to regular Sapphire


Revelate wrote:

Crashem wrote:
It's amazing how a little metal in a card is the primary concern

Heh, looked at it that way, it's no different than:

- obtaining a FICO score being a primary concern for having an account (ok maybe a little different than that)

- Maintaining that one extra point so one has a 800 FICO instead of a 799

- Add your own semi-goofy forum rationale here, there's plenty of them for how people judge themselves.

 

We all have little foibles, ain't no big thing.

 


Ka-ching!  The SCORE is my obsession.  This probably keeps me from applying for more credit. 

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
EQ FICO - Bankcard Enhanced 8 - 885 - 1/24/15
New Member
Posts: 2
Registered: ‎11-16-2009
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Re: PC: Chase Sapphire Preferred to regular Sapphire

The metal card is an awesome feature. The card never wears down. And it's the best card I've ever had for spend. It's kills amex and the ridiculous call for random approval. I've never been declined in any situation. It's the ultimate card in my opinion. I never even consider using other cards.
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