topic PC Freedom to CS? in Credit Cards

PC Freedom to CS?

laboi_22 — Mon, 02 Jul 2012 00:44:21 GMT

I hardly use my Freedom card. I find I have much more stable rewards as far as cash back goes for the things I buy the most of which are gasoline purchases, supermarkets, and online shopping/everyday purchases from my current BCE and BofA 1-2-3 card. I'm thinking it would be nice, and I would get much more use out of a card that gets 2% for restaurant purchases. Will Chase PC from Freedom to Chase Sapphire? Any experiences on that. I don't want to apply for anything so I wouldn't do it if it required a hard pull and I don't want to loose my age of the Freedom account. Any thoughts appreciated... Thanks,

Re: PC Freedom to CS?

Anonymous — Mon, 02 Jul 2012 01:05:33 GMT

Well you should at least hold onto your Freedom card for the next 3 months since restaurants are a 5% category, along with gasoline. I think the sign-up bonuses are worth the HP anyway.

Re: PC Freedom to CS?

laboi_22 — Mon, 02 Jul 2012 01:50:48 GMT

I prefer steady catagories. I have 5% cash back rotating on my Discover and prefer to use Discover. Anyone ever successfully PC freedom to CS?

Re: PC Freedom to CS?

G19OD — Mon, 02 Jul 2012 03:22:08 GMT

Perhaps you have considered it, but if not, you could hold onto your Freedom and app for the CSP and get a Chase Checking account for their trifecta.

http://ficoforums.myfico.com/t5/Credit-Cards/CSP-Freedom-Checking-Use-wisely/m-p/1355519#M376370

Re: PC Freedom to CS?

laboi_22 — Mon, 02 Jul 2012 11:37:27 GMT

Not really. I don't think I want to bank with Chase as in checking.

Re: PC Freedom to CS?

Anonymous — Mon, 02 Jul 2012 15:20:01 GMT

I remember reading that Chase does not allow PC from Freedom to CSP, not sure about CS. You should just call and ask since no one here has chimed in to confirm yet.

Re: PC Freedom to CS?

Revelate — Mon, 02 Jul 2012 15:28:56 GMT

@Anonymous wrote:
I remember reading that Chase does not allow PC from Freedom to CSP, not sure about CS. You should just call and ask since no one here has chimed in to confirm yet.

Chase has multiple versions of the Freedom, and it's been hit or miss for people getting them converted to a CS/CSP with some reporting success and others abject failure. The AF might be one issue, the specific card type a second, and the limit a third: if you're under 5K CL on a Freedom, I think that may be reason to deny unless you're getting a CL at the same time to bring up to the min Visa Sig level that the CS/P requires.

Calling is pretty much the only option as it's very YMMV.

Re: PC Freedom to CS?

CS800 — Mon, 02 Jul 2012 15:34:06 GMT

I would think that if you have a CL > $5k, they could convert it since the CSP starts at $5k i beleive.

Re: PC Freedom to CS?

ajh5408 — Mon, 02 Jul 2012 15:50:06 GMT

@CS800 wrote:
I would think that if you have a CL > $5k, they could convert it since the CSP starts at $5k i beleive.

Yep - That is what I've been told by Chase CSRs in the past... If your CL is $5,000 or above, you are eligible to convert to Sapphire, Sapphire Preferred, or JPM Select.

Re: PC Freedom to CS?

CS800 — Mon, 02 Jul 2012 16:15:11 GMT

@ajh5408 wrote:
@CS800 wrote:
I would think that if you have a CL > $5k, they could convert it since the CSP starts at $5k i beleive.
Yep - That is what I've been told by Chase CSRs in the past... If your CL is $5,000 or above, you are eligible to convert to Sapphire, Sapphire Preferred, or JPM Select.

Thats good to know since i was thinking of PC'ing to CSP

Re: PC Freedom to CS?

sunshine7157 — Mon, 02 Jul 2012 17:59:06 GMT

I just talked to a Chase csr with this question last week. She said I am certainly eligible to change my Freedom to a Sapphire once my account hits a year. My current cl is $3k. She said nothing about that being an issue (and I failed to specifically ask) but she did say that there were no pulls involved in the process of pc. If cl became an issue however, I would assume they would hp.

Re: PC Freedom to CS?

Anonymous — Mon, 02 Jul 2012 22:26:51 GMT

I have a 12k llimit on my freedom and they said I wasn't eligible.