topic Re: Chase Auto PCed my Slate to a Freedom Unlimited in Credit Cards

Chase Slate Conversion?

Anonymous — Tue, 14 May 2019 05:49:15 GMT

A few weeks ago Chase pre-approved me for a Chase Freedom Unlimited card with a 6000 CL and 1.5% cashback which is doubled for the first year, plus 0% apr for 15 months -- and no annual fee. I accepted the offer, taking into consideration that 3% cash back and 0% APR for no annual fee was better than the other cards I had. I have a Chase Slate card, which gets no cash back but came with 18 months 0% APR and I had a hefty bill that I needed to make payments on, so I took advantage. I also have a Discover IT card, an AMEX Blue Cash, and an Alaska Airlines Visa.

Out of nowhere, I just got a letter in the mail indicating that the Chase Slate Card has been converted to a Chase Freedom Unlimited Card...which I already have.

Am I silly for not wanting two of the same card? Is it worth a call to chase? The Freedom Unlimited does get 1.5% back which is obviously better than the Slate, but having two of the same card seems strange to me. Would it be worth it to see if Chase would convert the "new" Freedom Unlimited Card to a different card? Any perks or disadvantages to that - or would they even consider doing that?

Just kind of confused right now!

Re: Chase Slate Conversion?

Anonymous — Tue, 14 May 2019 05:52:51 GMT

1st off I would login and make sure you have 2 X CFU now and the letter is valid.

Then maybe just switch one to a CF 5% rotator to get some variety.

Re: Chase Slate Conversion?

Anonymous — Tue, 14 May 2019 05:56:32 GMT

According to my Chase account online, I still have a Slate and a CFU. The letter did however state that the "new card" would not be sent until mid-June but that I would begin accruing 1.5% cash back immediately even by using the Slate. A few weeks ago I also received word that the "Slate Dashboard" would soon be eliminated, so I'm thinking that between those two things it is a valid letter and that Slate is soon to be out of existence.

I will look in to the CF. Is Chase usually willing to convert a card? This would close one account and open a new one, right?

Re: Chase Slate Conversion?

Anonymous — Tue, 14 May 2019 15:47:37 GMT

There's no closing/opening... it's simply a swap and you retain all of your history. In most cases the # doesn't even change when you do it. If you want to start earning the 5% either shoot them a message or give them a call and let them know.

Re: Chase Slate Conversion?

Anonymous — Tue, 14 May 2019 16:17:01 GMT

i only have a $1100 CL on Slate. is that what i will get by changing over to CFU. can a CL increase be requested without a HP pull.

@Anonymous wrote:
There's no closing/opening... it's simply a swap and you retain all of your history. In most cases the # doesn't even change when you do it. If you want to start earning the 5% either shoot them a message or give them a call and let them know.

Re: Chase Slate Conversion?

Remedios — Tue, 14 May 2019 16:59:58 GMT

@Anonymous wrote:
i only have a $1100 CL on Slate. is that what i will get by changing over to CFU. can a CL increase be requested without a HP pull.
@Anonymous wrote:
There's no closing/opening... it's simply a swap and you retain all of your history. In most cases the # doesn't even change when you do it. If you want to start earning the 5% either shoot them a message or give them a call and let them know.

No CLI without a HP. It's only a PC.

Re: Chase Slate Conversion?

xaximus — Wed, 15 May 2019 11:32:02 GMT

I have received this as well. Some Slate users are being converted to CFU. If you already have a CFU, I would suggest converting it to Freedom. You can also go up and convert to a CSP/CSR if your limit approves it. But both of those have AF's so something to think about prior to PC'ing.

Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Mon, 10 Jun 2019 10:53:39 GMT

I woke up today to find that my Slate account is showing up as a Freedom Unlimited card now. No notification yet. Has this happened to others?

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Mon, 10 Jun 2019 11:28:30 GMT

They have been aggressive to ask me to convert (I did), but I don't think they did that without my permission.

You are sure nobody with access clicked anything to allow this conversion?

Re: Chase Auto PCed my Slate to a Freedom Unlimited

AverageJoesCredit — Mon, 10 Jun 2019 11:32:30 GMT

This is for real and was discussed here very recently.

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Mon, 10 Jun 2019 11:39:59 GMT

Is this even legal? I am guessing it is, but.... lol.

CFU is a better card for sure, but the auto conversion just sounds illegal to me.

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Mon, 10 Jun 2019 13:01:03 GMT

https://www.doctorofcredit.com/chase-automatically-upgrading-some-chase-slate-cardholders-to-chase-freedom-unlimited/

Re: Chase Auto PCed my Slate to a Freedom Unlimited

NRB525 — Mon, 10 Jun 2019 13:08:57 GMT

I PC’d my Slate to CFU a couple years ago. I am humbled that Chase thinks this highly of my credit card choices to make it a Standard Operating Procedure

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Remedios — Mon, 10 Jun 2019 13:09:17 GMT

@Anonymous wrote:
Is this even legal? I am guessing it is, but.... lol.

CFU is a better card for sure, but the auto conversion just sounds illegal to me.

I see it as an "upgrade" because Slate has no rewards attached to it past the initial BT. Terms remain same, so perfectly legal.

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Mon, 10 Jun 2019 16:39:52 GMT

@Remedios wrote:
@Anonymous wrote:
Is this even legal? I am guessing it is, but.... lol.

CFU is a better card for sure, but the auto conversion just sounds illegal to me.

I see it as an "upgrade" because Slate has no rewards attached to it past the initial BT. Terms remain same, so perfectly legal.

Right, and pretty sure that all credit cards have language that the rewards program can change or be terminated at any time.

e.g. Amex BCE: "We may change the terms of this program at our discretion. If you violate or abuse this program,
you may forfeit some or all of your accrued reward dollars"

(And I got hit by the second sentence!)

Re: Chase Auto PCed my Slate to a Freedom Unlimited

FlaDude — Mon, 10 Jun 2019 18:14:18 GMT

@Anonymous wrote:
I woke up today to find that my Slate account is showing up as a Freedom Unlimited card now. No notification yet. Has this happened to others?

Do you carry a balance? I have couple $K on a 0% BT offer, I'm curious if they might auto PC me or if they are only doing it for cards with no BT balance.

Re: Chase Auto PCed my Slate to a Freedom Unlimited

marcforza1 — Tue, 11 Jun 2019 22:05:27 GMT

@FlaDude wrote:
@Anonymous wrote:
I woke up today to find that my Slate account is showing up as a Freedom Unlimited card now. No notification yet. Has this happened to others?
Do you carry a balance? I have couple $K on a 0% BT offer, I'm curious if they might auto PC me or if they are only doing it for cards with no BT balance.

That's actually a good question for those of us who currently has a balance on it. I wouldn't mind the upgrade except I already have a FU and also a Freedom card as a AU and was in the process of closing it by the end of the year.

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Turbobuick — Wed, 12 Jun 2019 06:10:45 GMT

5-6 weeks ago I got the "It's official, you've been upgraded to Freedom Unlimited" letter. I called immediately and had them move me to Freedom 5% rewards card. I've been using the card regularly for groceries and home improvement.

Today, I get the exact same email again. "It's official.... " Chase doesn't have a clue.

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Wed, 12 Jun 2019 10:15:51 GMT

@Remedios wrote:
@Anonymous wrote:
Is this even legal? I am guessing it is, but.... lol.

CFU is a better card for sure, but the auto conversion just sounds illegal to me.
I see it as an "upgrade" because Slate has no rewards attached to it past the initial BT. Terms remain same, so perfectly legal.

Since the Slate Dashboard (The only time Chase ever gave an actual FICO score) has been killed off in favor of Credit Journey that everybody gets, there's zero reason to want to keep Slate anyway. Now the APR range is the same for Slate and FU as well. (I thought Slate was lower before -- can somebody confirm or deny this?)

Re: Chase Auto PCed my Slate to a Freedom Unlimited

Anonymous — Wed, 12 Jun 2019 13:11:12 GMT

@FlaDude wrote:
Do you carry a balance? I have couple $K on a 0% BT offer, I'm curious if they might auto PC me or if they are only doing it for cards with no BT balance.

Now that you mention it, the PC was right after I paid off a 0% BT.