PC from Marriott Premier to Freedom possible?

[bluediamond63]

I sent Chase a SM asking them if I could PC my Marriott Premier Reward Visa Sig to a Freedom Visa Sig and they said no (response below). I've had the account open about a year and a half, so it's not because my acct is too new. Does anyone know if it's possible to do that PC or should I try calling Chase and press them further to see if they can PC me? Since I have the Ritz card now I mainly us it instead of the Marriott, so I'd like to get the Freedom for the bonus 5% categories and to have one less AF card.

Thank you for contacting Chase about product change.

I appreciate your patience and apologize for the delay in
responding to your inquiry. I'll be happy to assist you
with your request.

We regret at this time, the option to switch your account
to a Freedom Visa Signature card is not available at this
time. Although this option is not currently available,
you might want to consider the below two available cards:

* Marriott Visa Signature

The Annual Fee for this product is $45. Earn 3 pts/$1 on
qualifying Marriott transactions, 1 pt/$1 other purchases.
The Marriott Rewards Credit Card offers cardmembers the
ability to earn points on all purchases that can be
redeemed for free hotel stays at Marriott locations
worldwide, Marriott merchandise and much more. Product
includes a 3% foreign transaction fee for any transactions
made in a foreign currency or made outside of the United
States of America, including some internet transactions.
(If previous product did not assess foreign transactions
fees, ensure Customer understands that this product will
assess that fee.)

* Ritz-Carlton Rewards card

Earn Ritz-Carlton Rewards points on purchases! Enjoy three
upgrades to Club Level; a $100 Hotel Credit toward dining,
spa, or other; Gold Elite Status; airport lounge access;
$200 annual credit for airline incidentals; & no foreign
transaction fees. $395 annual fee.

Your account number will not change when you switch
products. So there is no need to notify merchants where
you have automatic bill payments set up. The Annual
Percentage Rate (APR) will also not change.

Alternatively, you can apply for a new Freedom card
online.

New applications are available on-line at our secure
website. Please visit our website referenced below for
the most current offers and terms available:

http://www.creditcards.chase.com

When selecting the credit card that best meets your needs,
please remember that our policy no longer allows for
customers to have more than one credit card in the same
product. Applications for a card product you already have
may not be eligible for approval.

We appreciate the opportunity to assist you with your
account.

If you have any further questions, please reply using the
Secure Message Center.

Sincerely,

R. Nair
Senior Service Specialist

[kdm31091]

I think your issue is that you have a cobranded card. I don't think they allow PC of a cobrand to pretty much anything else. (It's funny though, I've had my Amazon only since December, so I cannot PC it yet, but when I called about lowering the APR which they declined, the lady did mention I could PC it in a year, though she didn't say to what).

[icyhot]

I spoke to a card specialist once about a PC, according to a new credit card law they can't PC a card to another card that has a different APR variable. So if the Freedom has a variable APR of 13.99-22.99, but the Marriott has a fixed 15.99 APR, they can't PC them. You'd have to PC it to something that also has a fixed 15.99 APR, which is why they offered you the Ritz

[noobody]

which law would that be?
I hate those bankers made up some law by themselves and blame the regulator about it.
they do it all the time.

[icyhot]

They didn't specify. But the rep I talked to was from Citi. So if you're running into the same problem then that's probably why