topic Re: Product change for CSR in Credit Cards

Product change for CSR

Anonymous — Wed, 12 Dec 2018 00:45:38 GMT

Hi,

I have a Chase Saphire Preferred from 11 months now with a good limit on it of 12k and now I am considering of doing a product change with the new CSR. An AF on my CSP is 95$ for first year which is due by Feb and I don't mind paying that because it's worth paying AF on it. Also have Chase Freedom unlimited with 5k. Now my question to you guys is how to app for CSR and when would be the right time? In addition to it I was able to open a total Business Checking Account a week ago in branch. I may app for Ink preffered sometime sooner/later. What do you guys think, please let me know.
As always, appreciate your help
Thank you
K

Re: Product change for CSR

wasCB14 — Wed, 12 Dec 2018 00:55:57 GMT

You won't be eligible for a Sapphire bonus for another ~37 months, so PCing to CSR may be the way to go (rather than applying for it as a new account).

Re: Product change for CSR

Shadowfactor — Wed, 12 Dec 2018 01:17:18 GMT

I can never keep up with chase’s Changing bonus and card rules. Honestly I don’t even care anymore.

There’s been a lot of talk that chase is now limiting you to one card per family. So if you already have the freedom unlimited I believe the only thing you could product change to is the regular freedom.

As mentioned above you won’t be able to get the SUB for a sapphire product for quite a while so I would just PC the CSP into a CSR. If your truly interested in the regular freedom. That’s the card I would app for as you would get the bonus that way and still accomplish your goal.

Re: Product change for CSR

CBartowski — Wed, 12 Dec 2018 01:17:29 GMT

No SUB but if you spend a fair amount in travel and dining and get the 300$ travel credit, you should have no issues getting your money back, easier than CSP IMO.

Re: Product change for CSR

UpperNwGuy — Wed, 12 Dec 2018 03:16:51 GMT

@Shadowfactor wrote:
There’s been a lot of talk that chase is now limiting you to one card per family.

Where did you hear that? If true, it’s big news. I’ve seen nothing about such a restriction on Doctor of Credit.

Re: Product change for CSR

Remedios — Wed, 12 Dec 2018 03:27:16 GMT

One card per Sapphire family

Re: Product change for CSR

Anonymous — Wed, 12 Dec 2018 03:49:08 GMT

Op is here...That's wright but can't I do a PC from CSp to a regular freedom and then apply for CSR to get my SUbs? Or transfer the of the limit of CSP to Freexom unlimited and then apply for CSR to get my SuBs?

Re: Product change for CSR

Shadowfactor — Wed, 12 Dec 2018 04:08:10 GMT

@UpperNwGuy wrote:
@Shadowfactor wrote:
There’s been a lot of talk that chase is now limiting you to one card per family.

Where did you hear that? If true, it’s big news. I’ve seen nothing about such a restriction on Doctor of Credit.

This was a couple months ago that a rumor was circulating that chase may be limiting you to one card per family. So no more multiple freedoms but obviously the rumor didnt pan out then. I probably should have made that clearer that I was going off a rumor, but theres so many with chase its hard to keep track of what exactly pans out and what doesnt.

I know theres the One Sapphire family card rule firmly in place.

Re: Product change for CSR

Shadowfactor — Wed, 12 Dec 2018 04:12:04 GMT

@Anonymous wrote:
Op is here...That's wright but can't I do a PC from CSp to a regular freedom and then apply for CSR to get my SUbs? Or transfer the of the limit of CSP to Freexom unlimited and then apply for CSR to get my SuBs?

There is no way you're going to get the Sign up bonus for any sapphire card for 48 months. Chase has continually restricted the Sapphire card SUB's and they are all treated as one. No PC, limit transfer etc is going to change that.

Re: Product change for CSR

Anonymous — Wed, 12 Dec 2018 04:17:30 GMT

Thank you Shadowfactor for the updates! Instead of PC, I think I will go for Ink preffered card soon. I will keep posted..Happy holidays guys, 😊

Re: Product change for CSR

Anonymous — Wed, 12 Dec 2018 04:21:22 GMT

@Anonymous wrote:
Op is here...That's wright but can't I do a PC from CSp to a regular freedom and then apply for CSR to get my SUbs? Or transfer the of the limit of CSP to Freexom unlimited and then apply for CSR to get my SuBs?

You might want to read the fine print on the Sapphire product pages:

"This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months."