topic Re: Chase Product Change in Credit Cards

Chase Product Change

Anonymous — Thu, 23 Dec 2010 16:35:13 GMT

Hello,

Do any of you know if Chase will do a product change? I have an old Providian turned Wamu turned Chase Slate card that has a $17,000 credit line that I NEVER use - mainly because I have no need to. I PIF every month on all of my cards so the Slate program doesn't really benefit me. If I were to call them, what is the likely hood that they would do a product change to a Freedom card?

Any info is much appreciated!

Re: Chase Product Change

Creditaddict — Thu, 23 Dec 2010 22:43:00 GMT

only way to find out is to call and ask.... some cards are eligible for pc and others are not. I have done it a couple times with a couple cards but this other plain platinum rebates card I have said is NEVER going to be eligible... so I don't know what decides it.

Re: Chase Product Change

ArisGreek — Sat, 25 Dec 2010 04:05:01 GMT

Just keep in mind that you won't get those "new cardmember" promotions like bonus points, etc. You may want to ask the rep what benefits you'll get. I know with the Chase Continental OnePass Plus it states that if you changed products within Chase you are not eligible for anything of the initial bonuses such as 25,000 bonus miles, $50 statement credit, and 5,000 bonus miles for AU. As well as a few other new member perks.

Re: Chase Product Change

Anonymous — Sat, 25 Dec 2010 20:13:17 GMT

Merry X'mas everyone!

I am not sure .. but most likely they won't let you do it due to the different Rewards Program and APR. Like other members said, best way is call and ask them your question. You never know ~

Chase even won't let me combine Freedom VISA and MC. I had Freedom MC (higher APR) first, it was reguler and then it changed to World MC later which they don't report my CL. Then my Starbucks Duetto VISA (lower APR and had before Freedom MC) changed to Freedom VISA. I called and asked to merge together since it is same Freedom. They told me "no" it's because of different APR even same Freedom, moreover, VISA and MC can't combine together. If they let me ... I will keep the VISA and have 17.6k CL reported.

Re: Chase Product Change

FantumGrey — Tue, 28 Dec 2010 15:50:34 GMT

I had an old WaMu turned Chase Flexible Rewards (that I was barely using) which I pc'd into a Chase Freedom a few months back. There were no issues at all, but as someone else stated, you don't get the new cardmember bonuses. You do get to keep whatever points you had though. They just translate them into their Ultimate Rewards points system.

Re: Chase Product Change

jefftca925 — Sat, 22 Jan 2011 06:32:40 GMT

I called in this afternoon trying to change my Chase Freedom Siggie to a Sapphire CC. The rep told me I couldn't make the switch. Had her look at my Perfectcard MC (old Wamu CC) and she said I could change that to a Freedom or a Sapphire because of the credit limit. I changed it to the Freedom. When I asked her why I couldn't change the siggie card she said it wasn't eligible and it was because of the economy...What the H??? My patience with Chase is beginning to become non-existent. Of late I have found their CSRs incompetent and their policies making no sense whatsoever. I have gotten much better service from Citi, BofA, and US Bank. I will try this again with a different CSR next week but if they cannot give me a logical reason why I cannot PC my Freedom Siggie to a Sapphire then I'll cultivate my relationships with other banks.

Re: Chase Product Change

andre181 — Sat, 22 Jan 2011 06:56:06 GMT

I had a WaMu card which I was able to PC to my current Freedom card.

And I've heard of people PC'ing from Slate to Freedom, so yes its possible.

But whether they will or not is a different story...

Re: Chase Product Change

ngerasimatos — Sat, 22 Jan 2011 07:21:29 GMT

Chase is decent when it comes to requests for product changes. It depends on the Tier of the current card, and the iter you want to change to. If they are the same or less, they can approve the product change.

Re: Chase Product Change

jefftca925 — Sat, 22 Jan 2011 16:34:27 GMT

@ngerasimatos wrote:
Chase is decent when it comes to requests for product changes. It depends on the Tier of the current card, and the iter you want to change to. If they are the same or less, they can approve the product change.

After looking at their website I think I'm kind of understanding the method to their madness. The Sapphire card has an APR of 13.24%. My Freedom Sig card has an APR of 18.24% but the limit qualifies. So they won't move a higher APR to a lower APR...soooo...I'd have to move some of the Sig limit to the MC which has a 12.24% and then convert. Frankly, after I read the reward program benefits it's not all that great of a program unless you travel a lot. I'll just leave what I have alone for now.

Re: Chase Product Change

Anonymous — Mon, 24 Jan 2011 05:55:16 GMT

@andre181 wrote:
I had a WaMu card which I was able to PC to my current Freedom card.

And I've heard of people PC'ing from Slate to Freedom, so yes its possible.

But whether they will or not is a different story...

What type of WaMu cc you had?

Mine was Platinum MC and now it has no name other than card number.

The APR: Purchase APR 7.24% Cash APR 19.99%

My current Freedom VISA (former Starbucks Duetto VISA)

The APR: Purchase APR 13.24% Cash APR 25.24%

My current Freedom World MC

The APR: Purchase APR 15.24% Cash APR 19.24%

Since it has lowest APR within Chase, I just keep it as is for back-up card. Currently I use this card about twice a year to keep it an active status.

Or .. may be good idea to PC to Freedom VISA and combine with my current Freedom VISA. Then it becomes my highest CL of 14.6k

Because I have Purchase APR 7.25% Cash Adv APR 8.25% with Addison Ave Platinum Rewards. Too bad, my NFCU ccs are higher than those because they raised it ... Purchase APR 7.90% with nRewards, Purchase APR 9.65% with cashRewards.

The downside of this action will be ... Chase may CLD or close it ... I don't want that happen to me ... who knows ...

I always PIF and APR does not mater at this moment, but it is good have low APR possible just in case ... especially in this economy nowadays ...

Re: Chase Product Change

austinguy907 — Sat, 29 Jan 2011 01:44:32 GMT

Slate requires a 5K limit to convert.

You can't merge a MC / V together... only like products V+V or MC+MC.

If it's "partner" specific you may have an issue converting to another product due to the contracts Chase and Partners have.

Personally I just run monthly bills through these accounts to collect the free 1% back for what I would normally use my debit card for. This way I manage to get my 3% on my money in my checking account and another 1% through Chase... make 4% vs. nothing CC's are a sham unless you have impecible credit scores to get the best offers...but to get those scores you have to deal with these %^#%^#$% first. *shrug*

Sidenote... my lowest APR right now is 7.75% w/ a 11K limit... skip the banks and go CU!!!

Re: Chase Product Change

Anonymous — Sat, 29 Jan 2011 21:14:09 GMT

I FINALLY got around to calling Chase and...

They were able to product change my card to the Chase Freedom without any hassle at all This is great news as I have a $17,000 CL on this card and it was practically just sitting there being unused. Now I have a reason to use it.

Thanks for the info everyone!

Re: Chase Product Change

Anonymous — Sun, 30 Jan 2011 11:44:02 GMT

I had a Slate and wanted to upgrade to a rewards card, and they upgraded me to a Saphire, with no problem. I carried the Saphire for a while, but due to my overall plan for pursuing cash rewards, the Freedom fit better. I called again and they downgraded me to a Freedom, again with no problem.

Re: Chase Product Change

jefftca925 — Sun, 30 Jan 2011 15:56:59 GMT

@Anonymous wrote:
I had a Slate and wanted to upgrade to a rewards card, and they upgraded me to a Saphire, with no problem. I carried the Saphire for a while, but due to my overall plan for pursuing cash rewards, the Freedom fit better. I called again and they downgraded me to a Freedom, again with no problem.

I just got my new Freedom MC (switched from an old WaMu MC to Perfect Card to Freedom) in the mail and the card is kinda cheap looking. The old Freedom design is nicer and feels like a real credit card. This one feels like it came with training wheels..LOL!! The Sapphire card looks nicer but the Freedom rewards program is a much better fit for me too.