02-15-2010 04:37 PM
There's no going back.
Applied and received Chase Freedom card 06/2008. PC'd to Sapphire (when it was offered), about 10/2009. Always PIF monthly, current balance -7.21 (credit balance).
Rewards are minimal on Sapphire unless you travel and use concierge services. Only redeeming value is phone number goes directly to CSR in US.
Called and asked to PC back to Freedom card (for the 3% rewards. CSR tried to convince me the Sapphire was superior to Freedom card in spite of the difference in cash back rewards. Thanked her profusely and insisted they consider PC to Freedom card.
She called supervisor and said "No, sorry, no way to get PC from Sapphire to Freedom.
Any other members tried this?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO