topic Do you have to wait a year to upgrade Chase Sapphire to Prefered in Credit Cards

Do you have to wait a year to upgrade Chase Sapphire to Prefered

ddemari — Wed, 29 Oct 2014 15:24:40 GMT

When I applied for the Chase Sapphire card, I was stupid thinking both cards are made out of metal

I had applied for the Chase Sapphire card about 3 weeks ago and got a 2 week message. Yesterday, I saw the account pop up on my chase homepage wth a 10k limit.

I am really bummed though because I wanted the metal card, which I know is silly but still I really wanted the metal card lol.

Chase will not let me change to prefered right away, right? Probably have to wait one year?

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 15:28:28 GMT

Silliness aside you might be able to contact them by phone or secure message and explain that you applied for the non AF version by accident. With your limit it may not be an issue for them to switch it now. Worth a try!

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 15:31:37 GMT

Just apply for the CSP outright! You'll get the bonus 45K if you spend $3,000 in 3 months.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 15:35:03 GMT

If they agree to acknowledge the error shouldnt the bonus still be available once the switch is made?

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 15:36:20 GMT

Yes, generally the CARD act will make you wait a year before you are switched to a product with a higher AF.

But, lets also address the silliness! Make sure you know the critical features of each of these cards before attempting to switch, so you can see if it is worthwhile. Unless you luck out, by PCing you lose one of the major advantages of the first year of CSP, the large bonus.

And have you seen the CSP? For all the "it's meeetttaaalll" stuff on here, it really isn't that different. (And even if it was, but that's another story!)

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

ddemari — Wed, 29 Oct 2014 15:38:20 GMT

Well I dont want to reapply for the card. Granted they only do a TU pull for the Sapphire, I dont want any more hits.

I am so bummed that I did this! I have not even received the card yet though. Maybe they will change it? I think I will send a secure message and see what they say. Probably will say no but worth a shot! thanks!

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 15:39:24 GMT

@Anonymous wrote:
Yes, generally the CARD act will make you wait a year before you are switched to a product with a higher AF.

But, lets also address the silliness! Make sure you know the critical features of each of these cards before attempting to switch, so you can see if it is worthwhile. Unless you luck out, by PCing you lose one of the major advantages of the first year of CSP, the large bonus.

And have you seen the CSP? For all the "it's meeetttaaalll" stuff on here, it really isn't that different. (And even if it was, but that's another story!)

I was rather unimpressed with the packaging of the CSP.

Even my Discover It with just over 1/3 of the limit came in a nice package.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 15:43:45 GMT

Discover is pretty awesome with presentation

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Jlu — Wed, 29 Oct 2014 19:41:30 GMT

I've noticed an overabundance of suckers for marketing on this forum - lol - I get it, I'm one too.

For a time I was seriously considering the Ritz Carlton card for nothing else other than the packaging and weight of the card. Pretty rediculous.

Mod cut-inappropriate language

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 19:42:00 GMT

@Jlu wrote:
I've noticed an overabundance of suckers for marketing on this forum - lol - I get it, I'm one too.

For a time I was seriously considering the Ritz Carlton card for nothing else other than the packaging and weight of the card. Pretty rediculous.

LOL.

If the airline credit on the RC card was usable on airfare itself i'd apply for it as it would drastically reduce the actual AF.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

wacdenney — Wed, 29 Oct 2014 16:10:01 GMT

Call Chase NOW today and tell them you applied for the wrong card. Tell them you had both windows open comparing them or whatever. You need to get it done quickly.

I would suggest confirming you would still recieve the sign up bonus also. Otherwise you may be better off with CS.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

ddemari — Wed, 29 Oct 2014 16:16:11 GMT

That is good!! thank you!!

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 16:38:39 GMT

@wacdenney wrote:
Call Chase NOW today and tell them you applied for the wrong card. Tell them you had both windows open comparing them or whatever. You need to get it done quickly.

I would suggest confirming you would still recieve the sign up bonus also. Otherwise you may be better off with CS.

This.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

ddemari — Wed, 29 Oct 2014 18:07:31 GMT

I decided to send chase a secure message instead of calling, just was not in the mood lol. I got a response right back saying they would sent my inquiry over to the appropriate department and I will receive an email within 5 days with the results.

I guess I am more so fine with just the no annual fee CS but would rather have the CSP just for the metal aspect.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Luscher — Wed, 29 Oct 2014 18:24:47 GMT

Its really not thaaaaat metal compared to real all metal cards

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 18:27:07 GMT

@Luscher wrote:
Its really not thaaaaat metal compared to real all metal cards

I just like that it doesn't resemble a PVC pipe like my QS's after riding in my wallet for a month..

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Luscher — Wed, 29 Oct 2014 18:32:11 GMT

hahaha I mean it definitely is way more sturdy, but nothing compared to the ritz

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

compassion101 — Wed, 29 Oct 2014 18:51:38 GMT

The CSP is metal and has an annual fee. What other differences are there between it and the regular saphire?

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Anonymous — Wed, 29 Oct 2014 19:00:33 GMT

@compassion101 wrote:
The CSP is metal and has an annual fee. What other differences are there between it and the regular saphire?

It's cold to the touch if you put it in a freezer.

Re: Do you have to wait a year to upgrade Chase Sapphire to Prefered

Jlu — Wed, 29 Oct 2014 19:03:01 GMT

@Anonymous wrote:
@compassion101 wrote:
The CSP is metal and has an annual fee. What other differences are there between it and the regular saphire?

It's cold to the touch if you put it in a freezer.

It also doubles as a screwdriver and you can use it for self defense if you know how to use a chinese throwing star.