topic Re: Transferring credit from Freedom to CSP. in Credit Cards

Transferring credit from Freedom to CSP.

kr3st00 — Fri, 13 Mar 2015 23:23:43 GMT

I called this morning to have my Freedom credit limit of $5,500 transfered over to my CSP as this is the one I use EVERYDAY and has one of my lowest limits.

I don't take advantage of the Freedom perks so I want to just get rid of it all the way.

When I called in to have this done they said it would result in a hard pull of my credit... WHAT? I thought you could transfer lines from Chase cards easily without issue? I got the Freedom and CSP at the same time and the Freedom has been Auto Luv'd but the CSP hasn't. I use the CSP heavily as my main card as it works out for me the best and make large payments multiple times a month and also PIF(most of the time).

What's the big deal!? Why can't they just transfer the CL to my CSP without a hard pull?

Re: Transferring credit from Freedom to CSP.

AvadaKedavra — Fri, 13 Mar 2015 23:26:47 GMT

Wow! That's new.

Did you try doing it via secured message? I moved limits around less than a year ago via secured message and they didn't pull anything.

Re: Transferring credit from Freedom to CSP.

Anonymous — Fri, 13 Mar 2015 23:32:13 GMT

Call back or SM. I just moved my entire Slate limit to my Freedom last week. Also both opened the same time.

Re: Transferring credit from Freedom to CSP.

kr3st00 — Fri, 13 Mar 2015 23:38:00 GMT

After calling them I sent a SM to have it done. I don't really care to have the Freedom at all. I'd love to get rid of it actually. I hope I get an answer back soon.

Re: Transferring credit from Freedom to CSP.

ddemari — Sat, 14 Mar 2015 01:04:00 GMT

That would be sad if chase startee to doing that.

Re: Transferring credit from Freedom to CSP.

chalupaman — Sat, 14 Mar 2015 01:16:23 GMT

@kr3st00 wrote:
I called this morning to have my Freedom credit limit of $5,500 transfered over to my CSP as this is the one I use EVERYDAY and has one of my lowest limits.

I don't take advantage of the Freedom perks so I want to just get rid of it all the way.

When I called in to have this done they said it would result in a hard pull of my credit... WHAT? I thought you could transfer lines from Chase cards easily without issue? I got the Freedom and CSP at the same time and the Freedom has been Auto Luv'd but the CSP hasn't. I use the CSP heavily as my main card as it works out for me the best and make large payments multiple times a month and also PIF(most of the time).

What's the big deal!? Why can't they just transfer the CL to my CSP without a hard pull?

I always just do an SM and they do it no problem with no HP. I really hope they can keep that policy up that way for a while.

Re: Transferring credit from Freedom to CSP.

kr3st00 — Sat, 14 Mar 2015 18:54:31 GMT

Still nothing back from SM...

Re: Transferring credit from Freedom to CSP.

Creditaddict — Sat, 14 Mar 2015 19:48:12 GMT

They do a SP not a HP to just check everything is still okay with your credit.

ugh why can't people learn and be trained to know the difference!

Re: Transferring credit from Freedom to CSP.

Anonymous — Sat, 14 Mar 2015 21:04:03 GMT

Man, Im really hoping that this doesn't become or is a new thing with Chase. This would really put a damper on my plans

Re: Transferring credit from Freedom to CSP.

kr3st00 — Sat, 14 Mar 2015 21:29:24 GMT

I know the difference between SP and HP.

He speficifcally said on the phone it would be a HP. That's why I declined and we couldn't go any further.

Re: Transferring credit from Freedom to CSP.

racer-x — Sat, 14 Mar 2015 21:39:47 GMT

@kr3st00 wrote:
I know the difference between SP and HP.

He speficifcally said on the phone it would be a HP. That's why I declined and we couldn't go any further.

Op, creditaddict is saying that the rep was/is misinformed by telling you it's a HP instead of a SP.

The rep absolutely may have told you that, but is probably absolutely wrong.

I'd call back and talk to another rep.

Re: Transferring credit from Freedom to CSP.

kr3st00 — Sat, 14 Mar 2015 21:44:45 GMT

Ah! That makes sense. I should call back. Ramone didn't know what he was talking about!

Re: Transferring credit from Freedom to CSP.

kr3st00 — Sat, 14 Mar 2015 21:54:00 GMT

Also, which department or number should I be calling and speaking with?

Re: Transferring credit from Freedom to CSP.

Anonymous — Sat, 14 Mar 2015 22:07:06 GMT

Freeze everything if worried about HP.

Re: Transferring credit from Freedom to CSP.

racer-x — Sat, 14 Mar 2015 22:07:44 GMT

@kr3st00 wrote:
Also, which department or number should I be calling and speaking with?

i have 800-493-3319 stored in my phone for the CSP.

Re: Transferring credit from Freedom to CSP.

kr3st00 — Sat, 14 Mar 2015 22:13:41 GMT

Just called that number and said he looked into it but it's needed to be done by the "credit consolidation department". So he wasn't able to do it.

Wonder what the deal is.

Re: Transferring credit from Freedom to CSP.

Creditaddict — Sat, 14 Mar 2015 22:28:48 GMT

Yes that is correct they will transfer you to credit consolidation department during regular business hours and they will do a soft check just to make sure everything is okay and then process

Re: Transferring credit from Freedom to CSP.

C24Webb — Sat, 14 Mar 2015 23:21:36 GMT

@kr3st00 wrote:
I called this morning to have my Freedom credit limit of $5,500 transfered over to my CSP as this is the one I use EVERYDAY and has one of my lowest limits.

I don't take advantage of the Freedom perks so I want to just get rid of it all the way.

When I called in to have this done they said it would result in a hard pull of my credit... WHAT? I thought you could transfer lines from Chase cards easily without issue? I got the Freedom and CSP at the same time and the Freedom has been Auto Luv'd but the CSP hasn't. I use the CSP heavily as my main card as it works out for me the best and make large payments multiple times a month and also PIF(most of the time).

What's the big deal!? Why can't they just transfer the CL to my CSP without a hard pull?

Why don't you use the Freedom perks, especially when it will outearn UR points over the CSP next quarter on dining? Or when there's 5x on gas, Amazon purchases, etc.? Those points can be transferred from your Freedom bucket to your CSP bucket and then to a travel partner.

Re: Transferring credit from Freedom to CSP.

Anonymous — Tue, 17 Mar 2015 21:09:49 GMT

Any word back about this OP?

Re: Transferring credit from Freedom to CSP.

Anonymous — Tue, 17 Mar 2015 21:22:14 GMT

My buddy was just approved for a csp 5k today, shortly after approval he had his freedom limit transferred to csp making it 10k and it was not a HP.