topic Re: Chase CS & CSP dilemma in Credit Cards

Chase CS & CSP dilemma

Irisa — Thu, 18 Jul 2013 16:34:27 GMT

I got a Freedom in April of this year. Then 2 weeks ago I applied for a Sapphire card and was approved after a recon call.

Originally I really wanted the CSP, but I talked myself out of it because of the AF. Plus I doubted myself, and figured I had a better chance at the CS. The thing is, since getting the CS I learned the approval criteria for both CS and CSP is the same. So I could have gotten the CSP.

Plus I didn't know CSP allows you to combine points with Freedom, which is worth the AF for me. I feel I made a mistake getting the CS instead of CSP, but I’m not sure how to fix it. I know, I should have done more research before applying

Is there anything I can do now? Should I apply for a CSP now? Or do I let the CS age a bit, and then try for the CSP next year? Is there a chance Chase could do a PC from CS to CSP.

Re: Chase CS & CSP dilemma

Anonymous — Thu, 18 Jul 2013 16:45:48 GMT

I sort of made the same mistake between two chase cards a couple weeks ago. I opened slate 12/12 and apped for freedom a couple weeks ago. I wished I had applied for their speedway rewards card. However with chase, and I assume most cc companies, you have to wait 30 days between apps. Im debating applying for that card next month.

You could always request a product change. Let me know how it goes if you decide to app for the CSP, or otherwise what else happens...

Re: Chase CS & CSP dilemma

Anonymous — Thu, 18 Jul 2013 16:48:25 GMT

Going from a card with no AF to one with always raises the possibility that you will be told the CARD Act requires you wait 13 months. Some have got around this, many haven't. The issuer may tell you to just apply for the right card. If you don't mind the probable HP, with Chase this might be OK as they make moving CL around easy.

Re: Chase CS & CSP dilemma

Anonymous — Thu, 18 Jul 2013 17:35:52 GMT

It's worth a try to call the EO and say you meant to apply for the CSP instead of CS.

Re: Chase CS & CSP dilemma

fittiger — Thu, 18 Jul 2013 18:18:19 GMT

@Anonymous wrote:
It's worth a try to call the EO and say you meant to apply for the CSP instead of CS.

Try calling customer service before you contact the EO. Not to be rude, but I don't think this is worthy of the attention of the EO. This was not a mistake or slight on Chase's part, but of the applicants.

I would just call customer service and see if they can be of help. If you've already activated the card, then the Card Act probably prohibits converting this account to one with an annual fee. Maybe this can be overridden if the account hasn't been activated yet.

Re: Chase CS & CSP dilemma

Raccoon290 — Thu, 18 Jul 2013 18:30:28 GMT

If you combine points from the freedom do you get the 7% bonus dvidend with the CSP?

Or is the 7% only valid on points earned directly with the CSP?

Re: Chase CS & CSP dilemma

scenery_guy — Thu, 18 Jul 2013 18:54:29 GMT

@Raccoon290 wrote:
If you combine points from the freedom do you get the 7% bonus dvidend with the CSP?

Or is the 7% only valid on points earned directly with the CSP?

YMMV. I have not hit a year yet but time will tell. Some people have reported that points transferred to CSP got the bonus too. I moved 80K points from an Ink just to see if it will work. Worth the try to get 5,600 points.

Re: Chase CS & CSP dilemma

Anonymous — Thu, 18 Jul 2013 23:03:05 GMT

@fittiger wrote:
@Anonymous wrote:
It's worth a try to call the EO and say you meant to apply for the CSP instead of CS.
Try calling customer service before you contact the EO. Not to be rude, but I don't think this is worthy of the attention of the EO. This was not a mistake or slight on Chase's part, but of the applicants.

I would just call customer service and see if they can be of help. If you've already activated the card, then the Card Act probably prohibits converting this account to one with an annual fee. Maybe this can be overridden if the account hasn't been activated yet.

The frontline CSRs for the CS card would not have the authority to make this kind of change given the OP's fact pattern, they'd either tell the him/her "no" flat out or ultimately transfer him/her to the executive office to escalate things. I was trying to save the OP some time/trouble.

I think some people have this misconception of what the card services executive office at Chase actually is; it's not some super exclusive team sitting next to Jamie Dimon that's only "worthy" of being bothered for super special requests, it's just a slightly better trained team that has more authority to make certain changes. The OP's type of request is exactly what the executive office is there to help with.

Re: Chase CS & CSP dilemma

Anonymous — Thu, 18 Jul 2013 23:05:52 GMT

@scenery_guy wrote:
@Raccoon290 wrote:
If you combine points from the freedom do you get the 7% bonus dvidend with the CSP?

Or is the 7% only valid on points earned directly with the CSP?
YMMV. I have not hit a year yet but time will tell. Some people have reported that points transferred to CSP got the bonus too. I moved 80K points from an Ink just to see if it will work. Worth the try to get 5,600 points.

You're not supposed to get the 7% CSP dividend on points transferred in, but stranger things have happened.

Re: Chase CS & CSP dilemma

kilj0y — Thu, 18 Jul 2013 23:16:20 GMT

@Anonymous wrote:
@scenery_guy wrote:
@Raccoon290 wrote:
If you combine points from the freedom do you get the 7% bonus dvidend with the CSP?

Or is the 7% only valid on points earned directly with the CSP?
YMMV. I have not hit a year yet but time will tell. Some people have reported that points transferred to CSP got the bonus too. I moved 80K points from an Ink just to see if it will work. Worth the try to get 5,600 points.
You're not supposed to get the 7% CSP dividend on points transferred in, but stranger things have happened.

Strange things do and happen all the time, like for my CSP I recieved the bonus 40k UR points after a $2k spend and another 40k UR points after spending $5k total.