topic Re: PC, finally! CSP to CSR! in Credit Cards

PC, finally! CSP to CSR!

coreysw12 — Wed, 02 Sep 2020 20:29:12 GMT

I know this is a pretty basic thing around here, as Chase PC's don't really require anything special, but this is a HUGE deal to me so I wanted to share!

First off, I'm extremely lucky to even be in the Chase ecosystem at all, given that I burned them very recently, with a charged-off Chase card that I literally only just paid off finally in 1/2019, 5 other charged-off cards with other banks, and low-600's FICOs. So it's unbelievable that they even gave me a CSP and a CFU last year - let alone on the same day, and for respectable SLs!

Anyways, I've always wanted the CSR since day one, and it was always my plan to PC to it as soon as I could, but it took me 15 months with the CSP to finally get there. Called today, shifted some CL's around, and was approved for the CSR! I'm so dang happy to have it finally!

I know it's lost a lot of value to a lot of people this year, but I still absolutely will get my money's worth out of it. I've already got almost 200k UR points, so the extra 25% redemption value is huge, and with the $300 travel credit, those things alone pay for the new higher annual fee for me. Also, even with covid, I still travel internationally quite a lot for work, so even with my CFU now working just as well, or better, while inside the US for travel and dining, the CSR 3% with no FTF is still a big deal while traveling outside the US.

With the new changes announced for the Freedom cards, I'm very curious to see what stuff changes for the CSR in the coming weeks(if anything), but I wanted to get in before that just in case things change and it becomes harder or impossible to do the PC later.

Re: PC, finally! CSP to CSR!

AllZero — Wed, 02 Sep 2020 19:34:18 GMT

Congratulations on your product upgrade!

Re: PC, finally! CSP to CSR!

Anonymous — Wed, 02 Sep 2020 20:13:48 GMT

congrats on moving up to the reserve!

enjoy the perks!

my goal is to get there myself.

Re: PC, finally! CSP to CSR!

coreysw12 — Wed, 02 Sep 2020 20:32:59 GMT

@Anonymous wrote:
my goal is to get there myself.

The one I'm having trouble getting is the one you've got, we should work out some sort of trade

I've been waiting for my Freedom invite for like 2 years... nothing but crickets so far, and I'm not brave enough to kick the hornet's nest and cold app for it

Re: PC, finally! CSP to CSR!

M_Smart007 — Wed, 02 Sep 2020 20:40:08 GMT

Congratulations on your PC..

Re: PC, finally! CSP to CSR!

cashorcharge — Wed, 02 Sep 2020 20:44:38 GMT

Congratulations on your new card!!

One item of note....Chase annouced earlier this year that the $300 travel credit could be used for ordinary things like groceries and eating out to help repay for the loss in travel. I used mine up within like 3 weeks and I'm not sure if that program is still ongoing and if you're eligible..try looking into that if you need.

Re: PC, finally! CSP to CSR!

M_Smart007 — Wed, 02 Sep 2020 20:55:24 GMT

@coreysw12 wrote:
@Anonymous wrote:
my goal is to get there myself.
The one I'm having trouble getting is the one you've got, we should work out some sort of trade

I've been waiting for my Freedom invite for like 2 years... nothing but crickets so far, and I'm not brave enough to kick the hornet's nest and cold app for it

Ha! .. Don't cold app. if over 5/24.

I finally just gave in and PC'd my CFU to CF as I really needed the CF a lot more.

I have so many 2% and 1.5% cards, and now AOD 3%.

I won't be under 5/24 for a looooooong time.

Was very fortunate last year ..to pick up the Marriott card while LOL/24

(Thanks to CreditCuriosity's Post)

Re: PC, finally! CSP to CSR!

coreysw12 — Wed, 02 Sep 2020 21:00:31 GMT

@cashorcharge wrote:
Congratulations on your new card!!
One item of note....Chase annouced earlier this year that the $300 travel credit could be used for ordinary things like groceries and eating out to help repay for the loss in travel. I used mine up within like 3 weeks and I'm not sure if that program is still ongoing and if you're eligible..try looking into that if you need.

Thanks, it does say that on my account as well, looks like they're doing that thru 12/31 of this year. I think it said groceries and gas stations. Should be really quick to get that travel credit!

Re: PC, finally! CSP to CSR!

coreysw12 — Wed, 02 Sep 2020 21:01:22 GMT

@M_Smart007 wrote:
@coreysw12 wrote:
@Anonymous wrote:
my goal is to get there myself.
The one I'm having trouble getting is the one you've got, we should work out some sort of trade

I've been waiting for my Freedom invite for like 2 years... nothing but crickets so far, and I'm not brave enough to kick the hornet's nest and cold app for it
Ha! .. Don't cold app. if over 5/24.
I finally just gave in and PC'd my CFU to CF as I really needed the CF a lot more.
I have so many 2% and 1.5% cards, and now AOD 3%.

I'm 4/24 right now, and that's not by accident Been keeping that last slot open specifically for Freedom, in case Chase ever comes around.

I don't want to PC my CFU, because (now especially with my new CSR) the 1.5% really translates to 2.25%, which is better than any other card I have for everyday spending.

Re: PC, finally! CSP to CSR!

Credit4Growth — Wed, 02 Sep 2020 21:09:00 GMT

Whoohooo CSR! Congrats on the PC and I looks like you are back under 5/24!

Re: PC, finally! CSP to CSR!

Credit4Growth — Wed, 02 Sep 2020 21:09:54 GMT

@cashorcharge wrote:
Congratulations on your new card!!
One item of note....Chase annouced earlier this year that the $300 travel credit could be used for ordinary things like groceries and eating out to help repay for the loss in travel. I used mine up within like 3 weeks and I'm not sure if that program is still ongoing and if you're eligible..try looking into that if you need.

+1 take advantage of this!

Re: PC, finally! CSP to CSR!

Credit4Growth — Wed, 02 Sep 2020 21:10:26 GMT

👍👏👏👏

Re: PC, finally! CSP to CSR!

Anonymous — Wed, 02 Sep 2020 21:14:26 GMT

haha..i cold app'ed for the freedom earlier this year.

got denied and had to recon to get approved.

been gardening since the approval to get my scores up so i can start seeing offers in my account for the sapphire or something.

@coreysw12 wrote:
@Anonymous wrote:
my goal is to get there myself.
The one I'm having trouble getting is the one you've got, we should work out some sort of trade

I've been waiting for my Freedom invite for like 2 years... nothing but crickets so far, and I'm not brave enough to kick the hornet's nest and cold app for it

Re: PC, finally! CSP to CSR!

CreditAggie — Wed, 02 Sep 2020 21:38:57 GMT

Congratulations on your Chase Sapphire Reserve product change!

Re: PC, finally! CSP to CSR!

mrcraft — Wed, 02 Sep 2020 22:18:38 GMT

Congratulations on your CSR upgrade!!

Re: PC, finally! CSP to CSR!

MyFault — Wed, 02 Sep 2020 23:17:39 GMT

Congrats on your product change to CSR!

Re: PC, finally! CSP to CSR!

MyFault — Wed, 02 Sep 2020 23:21:51 GMT

@coreysw12 wrote:
I'm 4/24 right now, and that's not by accident Been keeping that last slot open specifically for Freedom, in case Chase ever comes around.

I don't want to PC my CFU, because (now especially with my new CSR) the 1.5% really translates to 2.25%, which is better than any other card I have for everyday spending.

What's your reservation about cold apping the Freedom? You're under 5/24... What's your total overal utilization right now?

The Freedom is an entry level CC, so as long as you're under 5/24, over 680, have utilization under 30% (preferably under 9%), and have over 1 year of credit history i wouldn't hesitate to apply for the Freedom. I've cold app'd every Chase card i have, and always been instantly approved. Granted that was pre-covid, but you could be waiting a long time, if ever, for a green or black star in the chase portal...

Re: PC, finally! CSP to CSR!

TSlop — Thu, 03 Sep 2020 00:30:43 GMT

Congrats on your PC!

Re: PC, finally! CSP to CSR!

Jetiquette — Thu, 03 Sep 2020 17:14:10 GMT

Congrats! Did they do a pull when you product changed? I am considering doing this same change from CSP to CSR.

Re: PC, finally! CSP to CSR!

coreysw12 — Thu, 03 Sep 2020 22:34:52 GMT

@MyFault wrote:
@coreysw12 wrote:
I'm 4/24 right now, and that's not by accident Been keeping that last slot open specifically for Freedom, in case Chase ever comes around.

I don't want to PC my CFU, because (now especially with my new CSR) the 1.5% really translates to 2.25%, which is better than any other card I have for everyday spending.
What's your reservation about cold apping the Freedom? You're under 5/24... What's your total overal utilization right now?
The Freedom is an entry level CC, so as long as you're under 5/24, over 680, have utilization under 30% (preferably under 9%), and have over 1 year of credit history i wouldn't hesitate to apply for the Freedom. I've cold app'd every Chase card i have, and always been instantly approved. Granted that was pre-covid, but you could be waiting a long time, if ever, for a green or black star in the chase portal...

2 reservations - the first is that my utiliation across all my cards has been kind of high lately, 50-60%, because I've been doing a ton of spend and not really paying attention to the statement cut dates. I could pretty easily get it below 10% if I put some effort into it. But the bigger reason is that I'm worried about kicking the hornet's nest, because I'm already skating on thin ice with Chase (to use 2 cliche's in one sentence, ha). I'm extremely lucky they gave me the two cards I have, given that I burned them not really that long ago, and I feel like an account review triggered by a Freedom app would risk getting all my cards shut down. So, that's why I've just been patiently waiting for an invite.