topic Re: Chase Freedom Visa Signature ? in Credit Cards

Chase Freedom Visa Signature ?

Anonymous — Sun, 02 Sep 2012 19:22:48 GMT

Just a quick question I have a chase freedom visa card with a 5000 limit and I have had the card for over a year and chase is telling me that my account is not illegible to be upgraded to the signature version... Anyone been able to upgrade there visa to the visa signature and if so how did you do it? Thanks!

Re: Chase Freedom Visa Signature ?

Anonymous — Sun, 02 Sep 2012 19:36:25 GMT

I was told that you have to wait 13 months after opening before you become eligible....

Re: Chase Freedom Visa Signature ?

Anonymous — Sun, 02 Sep 2012 20:01:12 GMT

To be honest, if you already have another card that is a Visa Signature, I don't really see any reason of upgrading the Freedom to one.

Re: Chase Freedom Visa Signature ?

Anonymous — Sun, 02 Sep 2012 20:03:09 GMT

I don't currency have a visa signature but I agree two would be pointless.

Re: Chase Freedom Visa Signature ?

youngandcreditwrthy — Sun, 02 Sep 2012 21:20:01 GMT

I have the same card, and I was told by a Chase Financial Advisor that after about six months, you can PC to the Sig version!

Re: Chase Freedom Visa Signature ?

Anonymous — Tue, 04 Sep 2012 22:40:16 GMT

Having more than one Visa Signature card is not pointless. It's not just the concierge that you get - there's also puchase security (protection "against theft and damage due to vandalism, fire and accidentally discharged water for the first 90 days from date eligible purchase, on all eligible items you buy") and extended warranties. If you're like me where you try to maximize your rewards, it's useful to have all your cards in the highest credit card tier possible.

For example, let's say your non-Signature Chase Visa Freedom card has Amazon.com as a 5% category. You want to take advantage of that and buy a $1,000 computer on Amazon, but you'd really like to have the purchase protection and extended warranty that your Visa Signature CSP offers. If your Freedom was a Visa Signature that decision becomes a no-brainer.

Re: Chase Freedom Visa Signature ?

djrez4 — Tue, 04 Sep 2012 23:05:01 GMT

@Anonymous wrote:
Having more than one Visa Signature card is not pointless. It's not just the concierge that you get - there's also puchase security (protection "against theft and damage due to vandalism, fire and accidentally discharged water for the first 90 days from date eligible purchase, on all eligible items you buy") and extended warranties. If you're like me where you try to maximize your rewards, it's useful to have all your cards in the highest credit card tier possible.

For example, let's say your non-Signature Chase Visa Freedom card has Amazon.com as a 5% category. You want to take advantage of that and buy a $1,000 computer on Amazon, but you'd really like to have the purchase protection and extended warranty that your Visa Signature CSP offers. If your Freedom was a Visa Signature that decision becomes a no-brainer.

Exactly - You don't lose anything by asking for the PC. Gone are the days when Signature cards didn't report limits and mess with your Util % . There are no negatives. Only positives as bribro mentions.

Re: Chase Freedom Visa Signature ?

Anonymous — Wed, 05 Sep 2012 01:27:55 GMT

U need to have at least 6000 CL. And U do not need to wait for 13 months. Just call them up to change it to visa sign.

Re: Chase Freedom Visa Signature ?

Anonymous — Sat, 20 Oct 2012 21:26:30 GMT

got denied for a visa signature product change. not eligible for pc. $6000 cl, open since april 2011.

Re: Chase Freedom Visa Signature ?

Anonymous — Sat, 20 Oct 2012 21:43:49 GMT

@djrez4 wrote:
@Anonymous wrote:
Having more than one Visa Signature card is not pointless. It's not just the concierge that you get - there's also puchase security (protection "against theft and damage due to vandalism, fire and accidentally discharged water for the first 90 days from date eligible purchase, on all eligible items you buy") and extended warranties. If you're like me where you try to maximize your rewards, it's useful to have all your cards in the highest credit card tier possible.

For example, let's say your non-Signature Chase Visa Freedom card has Amazon.com as a 5% category. You want to take advantage of that and buy a $1,000 computer on Amazon, but you'd really like to have the purchase protection and extended warranty that your Visa Signature CSP offers. If your Freedom was a Visa Signature that decision becomes a no-brainer.
Exactly - You don't lose anything by asking for the PC. Gone are the days when Signature cards didn't report limits and mess with your Util % . There are no negatives. Only positives as bribro mentions.

Except for BoA. I just recently got my very first Signature through them, and they're not reporting the limit. I hope they change that policy eventually.

Re: Chase Freedom Visa Signature ?

navigatethis12 — Sat, 20 Oct 2012 22:11:00 GMT

@Anonymous wrote:
U need to have at least 6000 CL. And U do not need to wait for 13 months. Just call them up to change it to visa sign.

Visa Signature and World Mastercard both start at 5000. Citi is the exception, since it seems they give a Visa Signature for any credit line.