topic Re: Switching the card type. in Credit Cards

Switching the card type.

Anonymous — Thu, 24 Jan 2008 22:54:37 GMT

Question about switching a card type. I have read about someone talking about he/she has request to switch one card to another under the same CC company.

I have Chase Flexible and called customer service and asked question about it. When I ask to switch from Chase Flexible to Chase Freedom, some rep told me I do not have to apply for a new card and it will keep the same account number and cc history carry over to new card. But some rep told me I have to apply to a new card first to switch and it does not keep the same account number.

I am confused. Does anyone switched from Chase Flexible to Chase Freedom? Help me please!

Re: Switching the card type.

Red1Blue — Thu, 24 Jan 2008 23:00:28 GMT

I know some people were able to change their card type with Chase. I dont know all the details. You might want to use the search button on the top of this page and see if you can locate it.

Re: Switching the card type.

Anonymous — Thu, 24 Jan 2008 23:17:33 GMT

DW switched from regular chase card to Freedom card. She kept the history but did get a new card number. This was a "Signature" card, that might be why the card number was changed. And I asked for the signature card specifically. I am an idiot.

Re: Switching the card type.

Anonymous — Thu, 24 Jan 2008 23:26:19 GMT

Does she need to apply for a Freedom?

Or she just request to switch and it did happen without applying?

Re: Switching the card type.

Anonymous — Thu, 24 Jan 2008 23:29:33 GMT

I had a United Frequent Flyer card that went through several banks and was eventually owned by Chase. I told Chase I wanted a cashback card with no AF. They gave me Chase Freedom Signature. (I had no idea I even had a Signature card until posters here starting grumbling about it.) I have a new account number but I have the old history from the prior card.

Re: Switching the card type.

Anonymous — Thu, 24 Jan 2008 23:30:45 GMT

bunnyrabbit wrote:
Does she need to apply for a Freedom?
Or she just request to switch and it did happen without applying?

There was no applying, we made the switch over the phone. It took about two weeks to get the card I think. Showed up on the CR after the next billing cycle, which was actually this month. No hard inquiry reported. Don't know about soft, they don't show up on TC.

Re: Switching the card type.

Anonymous — Fri, 25 Jan 2008 00:15:36 GMT

Previously, I had a Chase Free Cash Rewards account, which was a basic 1% rewards program. After reaching 2500 points, I could receive a $25 check or merchant gift card. I changed this to a Chase Freedom (non-signature) account. When I made this change, my account number and history remained the same. The Chase representative told me the only thing that was going to be different was my rewards program. I made the change over the phone. I didn't have to reapply for this card.

Re: Switching the card type.

Anonymous — Fri, 25 Jan 2008 00:18:47 GMT

bunnyrabbit wrote:
Question about switching a card type. I have read about someone talking about he/she has request to switch one card to another under the same CC company.

I have Chase Flexible and called customer service and asked question about it. When I ask to switch from Chase Flexible to Chase Freedom, some rep told me I do not have to apply for a new card and it will keep the same account number and cc history carry over to new card. But some rep told me I have to apply to a new card first to switch and it does not keep the same account number.

I am confused. Does anyone switched from Chase Flexible to Chase Freedom? Help me please!

I don't blame you for being confused after that.

I have found that about 50% of the time CSRs don't know what they are talking about. You've come to the right place. A little searching and posting on this forum is a better source of accurate information than most CCC CS departments.

Re: Switching the card type.

Anonymous — Fri, 25 Jan 2008 09:06:13 GMT

chaddar wrote:
I have found that about 50% of the time CSRs don't know what they are talking about.

Really! That's not good. That's bad customer service!!

You know what I am going to do since I got enough info on this subject ... I will call Chase back before the intro 0% APR expires in 03/08' and request to switch from Flexible to Freedom.

Thanks everyone.

Re: Switching the card type.

Anonymous — Fri, 25 Jan 2008 10:25:08 GMT

masdeocho wrote:
I had a United Frequent Flyer card that went through several banks and was eventually owned by Chase. I told Chase I wanted a cashback card with no AF.

I had that card for about 7 or 8 years. It was called the MileagePlus First Card. It had an AF, and if I recall correctly, a fairly high APR. It was also very difficult to earn rewards with that card. I canceled that account in the mid-1990s. I also had another First Card account. First Card was purchased by BankOne, who finally merged with Chase. I think BankOne will always be the credit card company that I've hated the most.

Re: Switching the card type.

Anonymous — Fri, 25 Jan 2008 10:43:03 GMT

bunnyrabbit wrote:
You know what I am going to do since I got enough info on this subject ... I will call Chase back before the intro 0% APR expires in 03/08' and request to switch from Flexible to Freedom.
Thanks everyone.

I think that you'll be pleased with the Freedom Card. I've only been enrolled in this program for about 3-4 months, and I don't have any complaints so far. Like you, I have a Citi Dividends Platinum Select MC. They also changed my rewards terms, but from 5% cash back on drugstores, supermarkets, etc., to 2%. That's why I decided to switch to the Chase Freedom card. Right now, I'm only using my Citi card at Sam's Club, because the only major CCs they accept are Discover and MC. Citi lost a lot of my business when they changed my rewards program's terms.

Re: Switching the card type.

Anonymous — Fri, 25 Jan 2008 15:10:52 GMT

psychic wrote:

masdeocho wrote:

I had a United Frequent Flyer card that went through several banks and was eventually owned by Chase. I told Chase I wanted a cashback card with no AF.

I had that card for about 7 or 8 years. It was called the MileagePlus First Card. It had an AF, and if I recall correctly, a fairly high APR. It was also very difficult to earn rewards with that card. I canceled that account in the mid-1990s. I also had another First Card account. First Card was purchased by BankOne, who finally merged with Chase. I think BankOne will always be the credit card company that I've hated the most.

Yep, same card. But I earned a free First Class round trip ticket to Sydney from the East Coast. My supermarket purchases still add 125 miles everytime I spent $250. But I wish they had told me about the Signature/non-Signature difference when I converted. Maybe once I get all the CL and account type reporting straightened out, I'll switch to another card.

Re: Switching the card type.

Anonymous — Mon, 28 Jan 2008 07:21:50 GMT

Now that the Prime Rate is 6.50%, my (non-Signature) Chase Freedom Visa's APR is currently at 6.99%. When BankOne handled my account, and my variable APR became this low, they increased my rate by a couple of points. I'm curious to see if Chase will leave my PRIME+0.49% APR alone.

Message Edited by psychic on 01-27-2008 11:21 PM

Re: Switching the card type.

Anonymous — Mon, 28 Jan 2008 19:55:05 GMT

Chase just wrote me a long convoluted letter, explaining that my (Signature) card does not have a credit limit but it has an "access limit." So I can exceed this limit without a penalty fee, but "the credit bureaus may not report your access line, which will make the account appear to be an open line of credit versus a revolving credit card." I love how they blame it on the CRAs.

I know how the work-around works, but I can't stomach charging up to $25,000. As if.

They offered me an increase in access limit. Of course that does nothing to deal with the original problem. I am considering changing the card to a non-Signature, revolving card. But I fear something else will go horribly wrong...

Re: Switching the card type.

Anonymous — Mon, 28 Jan 2008 21:19:42 GMT

That's depressing, but not surprising, news. Once again, the solution to the reporting dilemma appears to be to max out the account, or to change to a non-Signature card. I was looking at the Chase Freedom product lineup earlier, and I noticed that they added another card, Chase Freedom Plus, that offers the choice of points, cash, and now miles. This card has no AF, but there is a $30 "Program Fee." You can also get a non-Signature version of this card.

Message Edited by psychic on 01-28-2008 01:19 PM

Re: Switching the card type.

Anonymous — Tue, 29 Jan 2008 00:24:02 GMT

Chase Freedom Plus ... this card is good for people who travel a lot. Not for me.

By the way, I call Chase back and verified information regards to the switching the program. I got right CSR this time, he knew what he is doing. Not only for that, he reminded me to not waste my points I have earned. I have 443 points at this moment and he told me to redeem it for $5 Mrs. Field Gift Card before switch over. I need to charge $57 to reach 500 points to redeem.

I believe I was speaking with CSR in out side US all this time, and I spoke with US side CSR this time. I will not say they (out side us CSR) are not good, but I prefer to speak with CSR within US from now on.

Re: Switching the card type.

haulingthescoreup — Tue, 29 Jan 2008 00:32:24 GMT

A lot of times the US-based reps have more flexibility and more knowledge. The overseas reps are often not allowed to do very much beyond the really straight-forward stuff.

Re: Switching the card type.

Anonymous — Tue, 29 Jan 2008 01:55:40 GMT

masdeocho wrote:

I have called Chase and got some information on Chase FreedomSM Cash Visa Signature® Card and Chase FreedomSM Cash World MasterCard®.

* Both cards has Credit Line of Limit and you will get charge penalty when you go over the limit.

* Credit Line of Limit and Access Line of LImit are the same.

* The reward programs are the same.

* The difference is Visa or Master, and some benefits are different by Visa or Master.

* Most places will take both, but some places take Visa only or Master only.

* The Chase FreedomSM Cash Visa Signature® Card has future benefit that Chase FreedomSM Cash World MasterCard®. does not have. Which is you just need to flash the card to make a payment instead swipe a card.

So, it's up to you to switch or not. But ... Don't exceed your limit ! You will get in trouble !!

Re: Switching the card type.

Anonymous — Tue, 29 Jan 2008 03:57:00 GMT

bunnyrabbit wrote:

* The Chase FreedomSM Cash Visa Signature® Card has future benefit that Chase FreedomSM Cash World MasterCard®. does not have. Which is you just need to flash the card to make a payment instead swipe a card.

I can do this now at my grocery store with mine. Kind of cool. Kind of scary too.

Edit: spelling

Message Edited by krystofur on 01-28-2008 07:57 PM

Re: Switching the card type.

Anonymous — Tue, 29 Jan 2008 04:41:18 GMT

How you like it? Is it like just scan the chip on your card?

I think I am going to switch to Chase FreedomSM Cash Visa Signature® Card from Flexbile. Becasue I have enough Master Card already.