topic Re: How to transform Visa to Visa Signature in Credit Cards

How to transform Visa to Visa Signature

nenuco — Fri, 12 Oct 2012 19:56:27 GMT

So I have a Chase Freedom Visa with a $3K CL. I know I have to have it at least at $5K to qualify, but apart from that are their any other requirements? I have other Visa Signature cards, but once my CL surpasses the $5K limit does it automatically convert or can I just request it? On a similar note I have a CSP World Mastercard, is there a World Elite version of that card? If so how do you get it? Thanks in advance.

Re: How to transform Visa to Visa Signature

webhopper — Fri, 12 Oct 2012 19:58:09 GMT

@nenuco wrote:
So I have a Chase Freedom Visa with a $3K CL. I know I have to have it at least at $5K to qualify, but apart from that are their any other requirements? I have other Visa Signature cards, but once my CL surpasses the $5K limit does it automatically convert or can I just request it? On a similar note I have a CSP World Mastercard, is there a World Elite version of that card? If so how do you get it? Thanks in advance.

I asked for a conversion on my Amazon Card, they told me I needed to have the card open for 12 months before they could do a conversion... so I would assume... 5k CL and 12 months of account age are part of the requirement.

Re: How to transform Visa to Visa Signature

Anonymous — Fri, 12 Oct 2012 20:00:27 GMT

They do offer Visa Signature versions of the Freedom, but I believe that account has to be opened for 12 months and, of course, have a $5K line before you can request the change. Also, I've read that the MasterCard version of the Sapphire is always a World MasterCard and is never issued as a World Elite.

Re: How to transform Visa to Visa Signature

nenuco — Fri, 12 Oct 2012 20:20:39 GMT

Should I ask for the CLI first then change it to a Visa Signature, or do it all at once? That sucks for the CSP as the World version of the Mastercard is not as great as the Visa Signature.

Re: How to transform Visa to Visa Signature

Anonymous — Fri, 12 Oct 2012 20:25:14 GMT

Unless you need the extra credit earlier, I would just do it all at once. In fact, I am going to, I plan on asking for a CLI to $5K and a conversion to Signature on my Freedom after my 13th statement cuts.

Re: How to transform Visa to Visa Signature

webhopper — Fri, 12 Oct 2012 20:31:31 GMT

Dear Webhopper,

Thank you for contacting Chase about your account ending
in XXXX.

At this time, I'm unable to change your account to a
different product. An account that is open less than 12
months is not eligible to change to a different product

I apologize for any inconvenience this may cause you.

As an alternative, you may apply for a new product.
For new account applications, please visit our web site at
www.chase.com. Select "Credit Cards" from the "Personal
Banking" section. Then choose the Product mame card and
apply for a new account online.

When selecting the credit card that best meets your needs,
please remember that our policy no longer allows for
customers to have more than one credit card in the same
product. Applications for a card product you already have
may not be eligible for approval.

If you have additional questions, please contact us using
the Secure Message Center.

If you have any further questions, please reply using the
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Thank you,

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Original Message Follows:
------------------------

Hi!

I am writing to find out if my Amazon Credit Card is
eligible to be upgraded to a Amazon Rewards Visa
Signature. If not, what is the criteria used to determine
upgrade eligibility?
I have had the card for 6 months, and the limit is $5,000.
No issues with the account other than a typo while making
a payment.

Thanks,

Webhopper

Re: How to transform Visa to Visa Signature

nenuco — Fri, 12 Oct 2012 20:36:42 GMT

Would this be considered a full on PC? It seems unlikely as you would keep the same CC #. She seems to not be very helpful as she tells you to apply for another one, but then goes on to say you can't apply for the same card twice. I guess the best thing to do would be to wait 12 months... I may ask for a CLI first then an upgrade to the Visa Signature as I don't want them to be like: "One or the other"

Re: How to transform Visa to Visa Signature

jonmartin — Fri, 12 Oct 2012 20:59:02 GMT

Stuipd rule imo. NFCU gave me an upgrade from the nRewads to their Flagship signature after only a couple months. No questions asked.

Re: How to transform Visa to Visa Signature

mxp114 — Fri, 12 Oct 2012 21:07:00 GMT

@nenuco wrote:
On a similar note I have a CSP World Mastercard, is there a World Elite version of that card? If so how do you get it? Thanks in advance.

I don't know why this is but some people say their CSP is WEMC despite the fact that it doesn't say WE, so there is some confusion. However Chase only issues three WEMC: United Presidential Plus, Ink and Bold off memory.

Re: How to transform Visa to Visa Signature

webhopper — Fri, 12 Oct 2012 21:21:22 GMT

@nenuco wrote:
Would this be considered a full on PC? It seems unlikely as you would keep the same CC #. She seems to not be very helpful as she tells you to apply for another one, but then goes on to say you can't apply for the same card twice. I guess the best thing to do would be to wait 12 months... I may ask for a CLI first then an upgrade to the Visa Signature as I don't want them to be like: "One or the other"

I decided to just wait... My card was opened in Feb, so I just have to wait a few more months. In the meantime, NFCU upgraded me

Re: How to transform Visa to Visa Signature

Anonymous — Fri, 12 Oct 2012 21:33:19 GMT

I would speak to a specialist or supervisor over the phone. I believe some issuers have different number ranges for different levels of visa/MC so that might count as an account change.

The confusion over world/world elite is because all sapphires have only the silver logo. It was thought all regular world mastercards maintained the color logo and silver was reseved for the WEMC.

Re: How to transform Visa to Visa Signature

cashnocredit — Fri, 12 Oct 2012 21:39:44 GMT

@webhopper wrote:
@nenuco wrote:
Would this be considered a full on PC? It seems unlikely as you would keep the same CC #. She seems to not be very helpful as she tells you to apply for another one, but then goes on to say you can't apply for the same card twice. I guess the best thing to do would be to wait 12 months... I may ask for a CLI first then an upgrade to the Visa Signature as I don't want them to be like: "One or the other"
I decided to just wait... My card was opened in Feb, so I just have to wait a few more months. In the meantime, NFCU upgraded me

webhopper,

What they told you is correct. It's a full PC. The card number changes because they charge different rates for different categories of rewards (and non-rewards) cards. It's a way to flag you as a potential big spender and hence justify higher merchant fees.

cnc

Re: How to transform Visa to Visa Signature

nenuco — Fri, 12 Oct 2012 21:40:57 GMT

So this means that it is not possible to obtain the World Elite Mastercard for this specific card? That would suck as you get the equivalent if you opt for a Visa.

Re: How to transform Visa to Visa Signature

Anonymous — Fri, 12 Oct 2012 21:42:44 GMT

Title: How to transform Visa to Visa Signature

Topic: World Elite Mastercard

I love this forum lol

But anyways, do you know the guidelines for Citi to upgrade to World Elite?

Re: How to transform Visa to Visa Signature

nenuco — Fri, 12 Oct 2012 21:43:05 GMT

@cashnocredit wrote:
@webhopper wrote:
@nenuco wrote:
Would this be considered a full on PC? It seems unlikely as you would keep the same CC #. She seems to not be very helpful as she tells you to apply for another one, but then goes on to say you can't apply for the same card twice. I guess the best thing to do would be to wait 12 months... I may ask for a CLI first then an upgrade to the Visa Signature as I don't want them to be like: "One or the other"
I decided to just wait... My card was opened in Feb, so I just have to wait a few more months. In the meantime, NFCU upgraded me
webhopper,
What they told you is correct. It's a full PC. The card number changes because they charge different rates for different categories of rewards (and non-rewards) cards. It's a way to flag you as a potential big spender and hence justify higher merchant fees.

cnc

Wait for the Chase Freedom Visa Signature there are different rates for the rewards, apart from the ones entiled by having a signature card?

Re: How to transform Visa to Visa Signature

mxp114 — Fri, 12 Oct 2012 21:57:17 GMT

@Anonymous wrote:

The confusion over world/world elite is because all sapphires have only the silver logo. It was thought all regular world mastercards maintained the color logo and silver was reseved for the WEMC.

Yeah it is confusing but in order for a card to be World Elite it must say World Elite.

@nenuco wrote:
So this means that it is not possible to obtain the World Elite Mastercard for this specific card? That would suck as you get the equivalent if you opt for a Visa.

A World Elite version of this product doesn't exist and the true equiv of World Elite isn't even issued in the United States right now. Visa Signature and World MasterCard are considered the same tier.

@Anonymous wrote:
Title: How to transform Visa to Visa Signature
Topic: World Elite Mastercard

I love this forum lol

But anyways, do you know the guidelines for Citi to upgrade to World Elite?

lol the op did also ask about World Elite in the first post. No one knows the guidelines, people typically seem to qualify based on tenure and little spending but I managed to get upgraded within months of account opening based on spending.

Re: How to transform Visa to Visa Signature

webhopper — Fri, 12 Oct 2012 21:58:46 GMT

This thread has good info. When I upgrade to signature will it report as a new account or do I get to keep the same open since date?

Re: How to transform Visa to Visa Signature

mxp114 — Fri, 12 Oct 2012 22:08:31 GMT

@webhopper wrote:
This thread has good info. When I upgrade to signature will it report as a new account or do I get to keep the same open since date?

Same tradeline however your account number should change to the Signature prefix which I think is 4147. Nothing changes during a Chase product change on the report.

Re: How to transform Visa to Visa Signature

shinedown87 — Fri, 12 Oct 2012 22:10:44 GMT

I would like to know about the cash back % categories on the Freedom Visa Signature vs the regular Freedom as well.

I actually just called to change to a Visa Signature this morning (right after I activated my Freedom), and was told nothing about a change in the cash back program, only that I would receive the extra benefits the Visa Signature offers.

Re: How to transform Visa to Visa Signature

mxp114 — Fri, 12 Oct 2012 22:14:59 GMT

Every Chase Freedom offer the same rotating categories, whether it is Platinum, World or Signature.