topic Re: CSP CH with PC in Credit Cards

CSP CH with PC

Anonymous — Mon, 26 Jun 2017 19:40:07 GMT

So I was approved for the CSP in early March absolutley love it. But I was also approved for the CSR 2 months later. If I PC the CSP to a CF will I lose the age of credit history on my CSP or will that year of history stay with my CF? Thanks y'all!

Re: CSP CH with PC

Anonymous — Mon, 26 Jun 2017 19:41:33 GMT

@Anonymous wrote:
So I was approved for the CSP in early March absolutley love it. But I was also approved for the CSR 2 months later. If I PC the CSP to a CF will I lose the age of credit history on my CSP or will that year of history stay with my CF? Thanks y'all!

Nope, your history will remain with a PC. However, you will have to wait until the CSP reaches a year old before you can PC.

Re: CSP CH with PC

Anonymous — Mon, 26 Jun 2017 19:44:01 GMT

Thank you! Sheena16

Re: CSP CH with PC

bourgogne — Mon, 26 Jun 2017 20:05:46 GMT

@Anonymous wrote:
@Anonymous wrote:
So I was approved for the CSP in early March absolutley love it. But I was also approved for the CSR 2 months later. If I PC the CSP to a CF will I lose the age of credit history on my CSP or will that year of history stay with my CF? Thanks y'all!
Nope, your history will remain with a PC. However, you will have to wait until the CSP reaches a year old before you can PC.

not true, you can downgrade to a no af sapphire and then go to either a cf or fu. if they only give one choice or the other take it and then pc to the other if need be - easy to move freedoms. you can do all the pc's and cl moves on the same call if you want. chase is the best when it comes to moving about imo

Re: CSP CH with PC

Anonymous — Mon, 26 Jun 2017 21:54:15 GMT

not true, you can downgrade to a no af sapphire and then go to either a cf or fu. if they only give one choice or the other take it and then pc to the other if need be - easy to move freedoms. you can do all the pc's and cl moves on the same call if you want. chase is the best when it comes to moving about imo

I would be curious to see if this works for anyone. Chase was adamant with me and others that they would not PC the CSP under any circumstances until the card was a year old. I had to wait a year and 1 day before they would consider any PC.

Re: CSP CH with PC

Anonymous — Mon, 26 Jun 2017 22:49:01 GMT

I did this in March 2017. My Sapphire Preferred was only 9 months. I PC'd it to a regular Sapphire through Secure Message. Waited a day and then PC'd the regular Sapphire to a Freedom Unlimited.

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 05:17:35 GMT

@Anonymous wrote:
not true, you can downgrade to a no af sapphire and then go to either a cf or fu. if they only give one choice or the other take it and then pc to the other if need be - easy to move freedoms. you can do all the pc's and cl moves on the same call if you want. chase is the best when it comes to moving about imo
I would be curious to see if this works for anyone. Chase was adamant with me and others that they would not PC the CSP under any circumstances until the card was a year old. I had to wait a year and 1 day before they would consider any PC.

@I am the dp, csp @ $22k, met the spend, got the 59k bonus, did the downgrade to the non af, did a pc to a fu and did a pc on my fu to an f and rolled the cl into my csr and the rest in 5 days. gf just did the same last month, 5 days. I would not suggest something works unless I did it myself. did it via a csr rep @ (800) 493-3319. the guy could not have been more helpful. I had done all sorts of crazy stuff with chase, never a single issue. love them inside and out

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 07:28:41 GMT

In my case Chase allowed a p/c from a CSP to A FU in nine months.

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 16:31:54 GMT

@bourgogne wrote:
@Anonymous wrote:
not true, you can downgrade to a no af sapphire and then go to either a cf or fu. if they only give one choice or the other take it and then pc to the other if need be - easy to move freedoms. you can do all the pc's and cl moves on the same call if you want. chase is the best when it comes to moving about imo
I would be curious to see if this works for anyone. Chase was adamant with me and others that they would not PC the CSP under any circumstances until the card was a year old. I had to wait a year and 1 day before they would consider any PC.
@I am the dp, csp @ $22k, met the spend, got the 59k bonus, did the downgrade to the non af, did a pc to a fu and did a pc on my fu to an f and rolled the cl into my csr and the rest in 5 days. gf just did the same last month, 5 days. I would not suggest something works unless I did it myself. did it via a csr rep @ (800) 493-3319. the guy could not have been more helpful. I had done all sorts of crazy stuff with chase, never a single issue. love them inside and out

That's really odd. Were you a banking customer with Chase at the time? I had tried to PC my CSP when it was eight months' old via the phone and was told I can't until it is a year old. No exceptions. I then went in branch and was told the same thing. In my 12th month of holding the card (but not a full 365 days) I called and was denied again (this time after speaking with a CSR manager) and was told under no circumstances would Chase be able to PC the card due to the Card Act. On the 365th day of holding the card I called to PC it. Denied again. This time I was told I needed to wait for an additional day so the card was 1 yr and 1 day old. I called the next day and was finally able to PC. At this point I held the CSP and CSR, but the CSP was my first card with Chase.

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 18:42:57 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
not true, you can downgrade to a no af sapphire and then go to either a cf or fu. if they only give one choice or the other take it and then pc to the other if need be - easy to move freedoms. you can do all the pc's and cl moves on the same call if you want. chase is the best when it comes to moving about imo
I would be curious to see if this works for anyone. Chase was adamant with me and others that they would not PC the CSP under any circumstances until the card was a year old. I had to wait a year and 1 day before they would consider any PC.
@I am the dp, csp @ $22k, met the spend, got the 59k bonus, did the downgrade to the non af, did a pc to a fu and did a pc on my fu to an f and rolled the cl into my csr and the rest in 5 days. gf just did the same last month, 5 days. I would not suggest something works unless I did it myself. did it via a csr rep @ (800) 493-3319. the guy could not have been more helpful. I had done all sorts of crazy stuff with chase, never a single issue. love them inside and out
That's really odd. Were you a banking customer with Chase at the time? I had tried to PC my CSP when it was eight months' old via the phone and was told I can't until it is a year old. No exceptions. I then went in branch and was told the same thing. In my 12th month of holding the card (but not a full 365 days) I called and was denied again (this time after speaking with a CSR manager) and was told under no circumstances would Chase be able to PC the card due to the Card Act. On the 365th day of holding the card I called to PC it. Denied again. This time I was told I needed to wait for an additional day so the card was 1 yr and 1 day old. I called the next day and was finally able to PC. At this point I held the CSP and CSR, but the CSP was my first card with Chase.

I am a jpm/cpc but that has nothing to do with it. you are glossing over a step. you have to pc or downgraded to a no af sapphire 1st and then pc to a cf or fu. my gf just did this. had 3 other friends do it as well to make urs after they got the csr last year. follow the steps, get the results, its 1+1

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 19:03:57 GMT

I am a jpm/cpc but that has nothing to do with it. you are glossing over a step. you have to pc or downgraded to a no af sapphire 1st and then pc to a cf or fu. my gf just did this. had 3 other friends do it as well to make urs after they got the csr last year. follow the steps, get the results, its 1+1

I did try downgrading to the no af Sapphire when the first downgrade to the FU didn't work. My request was still declined. Maybe they noted my file as the first request downgrading to the FU and they then stopped all PC requests? No clue. Oh well, it shall remain a mystery and at least it all worked out in the end.

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 19:21:09 GMT

@Anonymous wrote:
I am a jpm/cpc but that has nothing to do with it. you are glossing over a step. you have to pc or downgraded to a no af sapphire 1st and then pc to a cf or fu. my gf just did this. had 3 other friends do it as well to make urs after they got the csr last year. follow the steps, get the results, its 1+1
I did try downgrading to the no af Sapphire when the first downgrade to the FU didn't work. My request was still declined. Maybe they noted my file as the first request downgrading to the FU and they then stopped all PC requests? No clue. Oh well, it shall remain a mystery and at least it all worked out in the end.

@Anonymous but I am not getting the word 'try' in all this. make sure you are @ zero on all chase cards. call the sapphire # on the back of the csp and tell them you want to change to the no af version of the card. that is all there is to it. don't do anything else, just that single step.

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 19:48:54 GMT

@bourgogne wrote:
@Anonymous wrote:
I am a jpm/cpc but that has nothing to do with it. you are glossing over a step. you have to pc or downgraded to a no af sapphire 1st and then pc to a cf or fu. my gf just did this. had 3 other friends do it as well to make urs after they got the csr last year. follow the steps, get the results, its 1+1
I did try downgrading to the no af Sapphire when the first downgrade to the FU didn't work. My request was still declined. Maybe they noted my file as the first request downgrading to the FU and they then stopped all PC requests? No clue. Oh well, it shall remain a mystery and at least it all worked out in the end.
@Anonymous but I am not getting the word 'try' in all this. make sure you are @ zero on all chase cards. call the sapphire # on the back of the csp and tell them you want to change to the no af version of the card. that is all there is to it. don't do anything else, just that single step.

LOL, I did. Multiple times. Even went in branch. Perhaps it was because the AF for the CSP was waived the first year. I was not allowed to PC the card AT ALL, even to a regular no AF Sapphire. Don't know what else to say to this.

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 19:55:45 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
I am a jpm/cpc but that has nothing to do with it. you are glossing over a step. you have to pc or downgraded to a no af sapphire 1st and then pc to a cf or fu. my gf just did this. had 3 other friends do it as well to make urs after they got the csr last year. follow the steps, get the results, its 1+1
I did try downgrading to the no af Sapphire when the first downgrade to the FU didn't work. My request was still declined. Maybe they noted my file as the first request downgrading to the FU and they then stopped all PC requests? No clue. Oh well, it shall remain a mystery and at least it all worked out in the end.
@Anonymous but I am not getting the word 'try' in all this. make sure you are @ zero on all chase cards. call the sapphire # on the back of the csp and tell them you want to change to the no af version of the card. that is all there is to it. don't do anything else, just that single step.
LOL, I did. Multiple times. Even went in branch. Perhaps it was because the AF for the CSP was waived the first year. I was not allowed to PC the card AT ALL, even to a regular no AF Sapphire. Don't know what else to say to this.

forgot the branch on this move they will have to call themselves, and forget the waived fee everyone gets that. call the # on the back of the csp and tell them you want to get a no fee card. I will just wait here while you do this

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 20:13:10 GMT

@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
I am a jpm/cpc but that has nothing to do with it. you are glossing over a step. you have to pc or downgraded to a no af sapphire 1st and then pc to a cf or fu. my gf just did this. had 3 other friends do it as well to make urs after they got the csr last year. follow the steps, get the results, its 1+1
I did try downgrading to the no af Sapphire when the first downgrade to the FU didn't work. My request was still declined. Maybe they noted my file as the first request downgrading to the FU and they then stopped all PC requests? No clue. Oh well, it shall remain a mystery and at least it all worked out in the end.
@Anonymous but I am not getting the word 'try' in all this. make sure you are @ zero on all chase cards. call the sapphire # on the back of the csp and tell them you want to change to the no af version of the card. that is all there is to it. don't do anything else, just that single step.
LOL, I did. Multiple times. Even went in branch. Perhaps it was because the AF for the CSP was waived the first year. I was not allowed to PC the card AT ALL, even to a regular no AF Sapphire. Don't know what else to say to this.
forgot the branch on this move they will have to call themselves, and forget the waived fee everyone gets that. call the # on the back of the csp and tell them you want to get a no fee card. I will just wait here while you do this

For the last time, I did call the number on the back of the card. And yes, I realize the AF is waived for all yr 1 CSP holders. I only went to the branch after I called the number on the back of my card not once, but twice. No product changes were allowed be it a downgrade to a Freedom or FU, a regular no AF Sapphire or an upgrade. I was flat out told multiple times that I had to wait for a year. Regardless, I was able to downgrade the card finally earlier this year once my CSP reached a year and 1 day old. That was my experience, really happy it worked out differently for you and others.

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 20:20:59 GMT

thought you were trying to do this now, my bad. to0 bad, one reason to pc the csp stat is to reset the 2 year timer and bonus it again

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 20:38:11 GMT

@bourgogne wrote:
thought you were trying to do this now, my bad. to0 bad, one reason to pc the csp stat is to reset the 2 year timer and bonus it again

No worries. It was an extremly frustrating process and I'm really glad it's over! The only thing I can think of is my account was somehow tagged or flagged after my first call requesting a PC to the FU. When that was denied, I found this TPC article mentioning PC may not be allowed during the first year (second to last section)

https://thepointsguy.com/2016/10/when-to-request-credit-card-product-change/

After reading some of the comments at the bottom the article I called the next day and asked to downgrade to the no AF Sapphire. I recieved the same rejection. Maybe my account wasn't eligible for a PC back them, I'll never know. Other than that, I'm really happy with Chase and my now three cards with them

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 21:10:24 GMT

@Anonymous wrote:
@bourgogne wrote:
thought you were trying to do this now, my bad. to0 bad, one reason to pc the csp stat is to reset the 2 year timer and bonus it again
No worries. It was an extremly frustrating process and I'm really glad it's over! The only thing I can think of is my account was somehow tagged or flagged after my first call requesting a PC to the FU. When that was denied, I found this TPC article mentioning PC may not be allowed during the first year (second to last section)

https://thepointsguy.com/2016/10/when-to-request-credit-card-product-change/

After reading some of the comments at the bottom the article I called the next day and asked to downgrade to the no AF Sapphire. I recieved the same rejection. Maybe my account wasn't eligible for a PC back them, I'll never know. Other than that, I'm really happy with Chase and my now three cards with them

I bet it was no fun. never had anything but great luck with chase. if you like their structure so much I am surprised you have not picked up an cip from them, the cell warranty alone pays the af. nice way to get 85k and there is a 100k also floating around, ask your banker

Re: CSP CH with PC

Anonymous — Tue, 27 Jun 2017 21:20:32 GMT

Chase Ink Business Preferred? I'm currently over 5/24. I did not think that business cards fell under 5/24, but unfortunately they do, even with EIN.

Re: CSP CH with PC

bourgogne — Tue, 27 Jun 2017 21:28:24 GMT

@Anonymous wrote:
Chase Ink Business Preferred? I'm currently over 5/24. I did not think that business cards fell under 5/24, but unfortunately they do, even with EIN.

been over 5/24 with 4 chase apps, never an issue in branch. re the ink, just open a bus checking ($ 200-300 bonus is around) and the ink cards should pop right up. app and get it. they are nuts for making sure the ein, ssn and bus name all match so take the pdf for the ein in with you.