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PC Freedom to CS?

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laboi_22
Established Contributor

PC Freedom to CS?

I hardly use my Freedom card. I find I have much more stable rewards as far as cash back goes for the things I buy the most of which are gasoline purchases, supermarkets, and online shopping/everyday purchases from my current BCE and BofA 1-2-3 card. I'm thinking it would be nice, and I would get much more use out of a card that gets 2% for restaurant purchases. Will Chase PC from Freedom to Chase Sapphire? Any experiences on that. I don't want to apply for anything so I wouldn't do it if it required a hard pull and I don't want to loose my age of the Freedom account. Any thoughts appreciated... Thanks,

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 1 of 12
11 REPLIES 11
bribro
Valued Contributor

Re: PC Freedom to CS?

Well you should at least hold onto your Freedom card for the next 3 months since restaurants are a 5% category, along with gasoline. I think the sign-up bonuses are worth the HP anyway.

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

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 2 of 12
laboi_22
Established Contributor

Re: PC Freedom to CS?

I prefer steady catagories. I have 5% cash back rotating on my Discover and prefer to use Discover. Anyone ever successfully PC freedom to CS?
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 3 of 12
G19OD
Contributor

Re: PC Freedom to CS?

Perhaps you have considered it, but if not, you could hold onto your Freedom and app for the CSP and get a Chase Checking account for their trifecta.

 

http://ficoforums.myfico.com/t5/Credit-Cards/CSP-Freedom-Checking-Use-wisely/m-p/1355519#M376370

Message 4 of 12
laboi_22
Established Contributor

Re: PC Freedom to CS?

Not really. I don't think I want to bank with Chase as in checking. 

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 5 of 12
bribro
Valued Contributor

Re: PC Freedom to CS?

I remember reading that Chase does not allow PC from Freedom to CSP, not sure about CS. You should just call and ask since no one here has chimed in to confirm yet.

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

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 6 of 12
Revelate
Moderator Emeritus

Re: PC Freedom to CS?


@bribro wrote:

I remember reading that Chase does not allow PC from Freedom to CSP, not sure about CS. You should just call and ask since no one here has chimed in to confirm yet.


Chase has multiple versions of the Freedom, and it's been hit or miss for people getting them converted to a CS/CSP with some reporting success and others abject failure.  The AF might be one issue, the specific card type a second, and the limit a third: if you're under 5K CL on a Freedom, I think that may be reason to deny unless you're getting a CL at the same time to bring up to the min Visa Sig level that the CS/P requires.

 

Calling is pretty much the only option as it's very YMMV.

 

 




        
Message 7 of 12
CS800
Super Contributor

Re: PC Freedom to CS?

I would think that if you have a CL > $5k, they could convert it since the CSP starts at $5k i beleive.




Message 8 of 12
ajh5408
Contributor

Re: PC Freedom to CS?


@CS800 wrote:

I would think that if you have a CL > $5k, they could convert it since the CSP starts at $5k i beleive.


Yep - That is what I've been told by Chase CSRs in the past... If your CL is $5,000 or above, you are eligible to convert to Sapphire, Sapphire Preferred, or JPM Select.

Message 9 of 12
CS800
Super Contributor

Re: PC Freedom to CS?


@ajh5408 wrote:

@CS800 wrote:

I would think that if you have a CL > $5k, they could convert it since the CSP starts at $5k i beleive.


Yep - That is what I've been told by Chase CSRs in the past... If your CL is $5,000 or above, you are eligible to convert to Sapphire, Sapphire Preferred, or JPM Select.


Thats good to know since i was thinking of PC'ing to CSP




Message 10 of 12
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