topic Re: Product Changing Sapphire to Freedom in Credit Cards

Product Changing Sapphire to Freedom

Anonymous — Mon, 28 Sep 2015 02:33:56 GMT

Hi,

I have a question for you guys, I currently have the CS and the CSP. I am interested in changing the CS to the Freedom. The CS was my first chase card and I would like to keep the member since date. I also want to keep the credit limit and account number the same. Does it make sense to just change the CS to the Freedom or does it make sense to apply for the Freedom and have all three cards ? Any advice is greatly appreciated.

Thanks

Re: Product Changing Sapphire to Freedom

Anonymous — Mon, 28 Sep 2015 02:38:27 GMT

CS is just CSP light and makes no sense, convert it if the categories fit your lifestyle, otherwise apply when the $200 offer comes back.

Re: Product Changing Sapphire to Freedom

kdm31091 — Mon, 28 Sep 2015 02:41:18 GMT

@Anonymous wrote:
Hi,

I have a question for you guys, I currently have the CS and the CSP. I am interested in changing the CS to the Freedom. The CS was my first chase card and I would like to keep the member since date. I also want to keep the credit limit and account number the same. Does it make sense to just change the CS to the Freedom or does it make sense to apply for the Freedom and have all three cards ? Any advice is greatly appreciated.

Thanks

Sorry but if you convert to Freedom the account number is going to change. No way around that, AFAIK.

There's no point in holding a CS and a CSP, in my view. The only argument for applying for a Freedom is the $100-200 bonus. If that is important to you, then apply, but if not just convert your card.

Re: Product Changing Sapphire to Freedom

Anonymous — Mon, 28 Sep 2015 13:34:10 GMT

Why does the account number have to change ? I see people going in the other direction(Freedom to CSP) and keeping the account number.

Re: Product Changing Sapphire to Freedom

kdm31091 — Mon, 28 Sep 2015 13:35:32 GMT

I am not sure. You can call and clarify but whats the big deal? The account number changing wont impact the card history in any way shape or form. So even if it does change its not going to hurt you.

Re: Product Changing Sapphire to Freedom

Anonymous — Mon, 28 Sep 2015 13:37:35 GMT

Oh, for some reason I thought new account number meant that the card history would go away making it appear as a new card only worried about that BC the cs is my second oldest card.

Re: Product Changing Sapphire to Freedom

Anonymous — Mon, 28 Sep 2015 23:19:08 GMT

Also does anyone now if I keep my points when product changing from CS to Freedom

Re: Product Changing Sapphire to Freedom

kdm31091 — Mon, 28 Sep 2015 23:21:12 GMT

@Anonymous wrote:
Oh, for some reason I thought new account number meant that the card history would go away making it appear as a new card only worried about that BC the cs is my second oldest card.

Nope, the account number changing means nothing in terms of the card's history. If your card ever had fraud, even without a product change, the account number would similarly change. Nothing would be hurt by that though.

Re: Product Changing Sapphire to Freedom

Anonymous — Tue, 29 Sep 2015 12:51:39 GMT

Good to know. I will be calling today to make the change, I do keep all the ultimate rewards points right ? Also the credit limit remains ?

Re: Product Changing Sapphire to Freedom

takeshi74 — Tue, 29 Sep 2015 12:57:31 GMT

@Anonymous wrote:
The CS was my first chase card and I would like to keep the member since date. I also want to keep the credit limit and account number the same. Does it make sense to just change the CS to the Freedom or does it make sense to apply for the Freedom and have all three cards ?

There isn't an MSD, just the account open date. As indicated above, if you PC you'll retain the open date, limit and history even if the account number changes.

I see no benefit to having a CSP and a CS. What would make you want to keep the regular Sapphire?

Re: Product Changing Sapphire to Freedom

Anonymous — Tue, 29 Sep 2015 12:59:08 GMT

@Anonymous wrote:
Good to know. I will be calling today to make the change, I do keep all the ultimate rewards points right ? Also the credit limit remains ?

It should all remain the same.

Re: Product Changing Sapphire to Freedom

Anonymous — Tue, 29 Sep 2015 13:15:36 GMT

No reason I want to keep the regular sapphire just never really thought about it until I started to look into apping for another card the other day(still don't know what card to go with). Really just the hassle of calling up and changing I guess is why I still have it.

Re: Product Changing Sapphire to Freedom

Anonymous — Tue, 29 Sep 2015 22:01:23 GMT

Just changed the card over and the account number does remain the same as the existing card(only the expire date and the ccv code change). Everything else about the card remains the same. Thanks for all the info again guys.