topic Re: chase sapphire product change in Credit Cards

chase sapphire product change

Anonymous — Tue, 08 Sep 2009 18:36:54 GMT

I'm an ex-wamu customer with a chase card now. I really like the sapphire card. Do you think id have a chance at a product change? My limit is 5k, 4k balance. I'm not sure if that matters, I dont want a CLI. My account was reviewed in july and not closed like a few others i heard about.

Re: chase sapphire product change

Anonymous — Tue, 08 Sep 2009 18:42:09 GMT

@Anonymous wrote:
I'm an ex-wamu customer with a chase card now. I really like the sapphire card. Do you think id have a chance at a product change? My limit is 5k, 4k balance. I'm not sure if that matters, I dont want a CLI. My account was reviewed in july and not closed like a few others i heard about.

Chase has been pretty quirky lately, especially with ex-WAMU cardholders. The fact that you had no AA to date is great. IMO, I'd try to stay under the radar,especially with an 80% UTIL. The Sapphire card is not that great.

Re: chase sapphire product change

Anonymous — Tue, 08 Sep 2009 19:20:14 GMT

They did suspend my card until I called in with HHI. It was around july 7th. But chase has been quirky....... I just dont see how someone could be denied a prod change. I get no rewards with the card I have now.

Re: chase sapphire product change

Anonymous — Tue, 08 Sep 2009 19:56:24 GMT

@Anonymous wrote:
They did suspend my card until I called in with HHI. It was around july 7th. But chase has been quirky....... I just dont see how someone could be denied a prod change. I get no rewards with the card I have now.

Chase has explicitly stated (recently) the WaMu cards are not eligible for PC.

That would never stop me from pursuing a PC if I wanted it. I have not messed with my Providian -> WaMu -> Chase card other that getting the AF waived preferring to FUTR.

I certainly am not rocking the boat for Sapphire.

Re: chase sapphire product change

Anonymous — Tue, 08 Sep 2009 20:48:51 GMT

@Anonymous wrote:
They did suspend my card until I called in with HHI. It was around july 7th. But chase has been quirky....... I just dont see how someone could be denied a prod change. I get no rewards with the card I have now.

I am a Wamu now Chase refugee and have a zero balance and high FICO scores with no AA yet and was told on two seperate occasions by two CSRs at Chase that they were not doing product changes about 2 or 3 months ago. YMMV

Re: chase sapphire product change

Anonymous — Wed, 09 Sep 2009 22:21:27 GMT

i don't understand chase. I dont want a bigger limit........ I just want rewards for what a spend...

I dont see whats the big deal. Why can't they just switch ther card?

Re: chase sapphire product change

Anonymous — Wed, 09 Sep 2009 22:28:43 GMT

@Anonymous wrote:
i don't understand chase. I dont want a bigger limit........ I just want rewards for what a spend...
I dont see whats the big deal. Why can't they just switch ther card?

Because it is their sandbox and they don't want to! Beyond that it is pretty small minded. It is Chase - did you expect much else?

Re: chase sapphire product change

Macroman — Wed, 09 Sep 2009 22:53:01 GMT

@Anonymous wrote:
i don't understand chase. I dont want a bigger limit........ I just want rewards for what a spend...
I dont see whats the big deal. Why can't they just switch ther card?

It doesn't make sense but as was said it is their sandbox. Why not just apply for Sapphire if you really want it?

Re: chase sapphire product change

Anonymous — Wed, 09 Sep 2009 23:08:11 GMT

I would love to have any other Chase product that the one I have. That doesn't mean I am about to app with them for anything. There is a world of difference between a fresh app and a PC. Chase knows this and doesn't really give a hoot about what it means to us mere mortal cardholders!

Re: chase sapphire product change

Macroman — Wed, 09 Sep 2009 23:33:15 GMT

Good reason to stay away.Do you need another?

Re: chase sapphire product change

Anonymous — Wed, 09 Sep 2009 23:51:16 GMT

@Macroman wrote:
Good reason to stay away.Do you need another?

"Staying away" isn't a choice when you are already "in". It's not my fault that my indenture was "sold" to them.

(Sold is in quotes because Chase didn't actually pay for the WaMu CC portfolio - it was given to them.)

Re: chase sapphire product change

SDAnder — Mon, 21 Sep 2009 21:54:30 GMT

I had a couple of WAMU cards that converted to Chase. I combined the cards into one, then just this past week inquired about trading the current card for a Chase Sapphire. They said no problem and that my card should arrive in about five business days. Now I have average credit (660-715 depending on the month and CRA), moderate utilization (50%), and pay about 7x the minimum each month. But I'm also considered high income (well above the $120K floor to qualify for the Sapphire Card).

You can always send Chase a message via their CC site and see what they say. That's what I did--no hard pull so I'm pleased with the result. YMMV.

Re: chase sapphire product change

Jazzzy — Mon, 21 Sep 2009 22:15:32 GMT

I called Chase a couple of months ago. I'm sitting with a former WaMu card with a $15k limit that I don't use because it has no rewards. I asked if they would change me to a rewards card.

They said yes, but that they would have to charge me $29. I have other rewards cards, so I told them no. Told them I didn't need to pay for rewards (likely a short-sighted answer on my part). My Chase card is securely in my SD. They haven't touched the CL yet, but I use it only enough to keep it alive. I expect every time I log in to see a CLD, but it hasn't happened yet. That is why I applied for PenFed and asked AmEx for a CLI. I keep expecting Chase to say bye, bye to me.