CSP APP?

[Harvey26]

DM had CSP back in 2021. Attempted to apply for CSP again today and app was auto declined. Agent said she could not have SUB again which she is perfectly fine with but is she not able to open another CSP for another 2 years or can she do the CSR and then downgrade.

[Biergeld]

Unfortunately she is excluded from applying for any sapphire card until four years after her previous bonus was issued. Does she have a Freedom or Slate card? She could product change to a CSP from one of those. 

[coldfusion]

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@Biergeld wrote:

Unfortunately she is excluded from applying for any sapphire card until four years after her previous bonus was issued. Does she have a Freedom or Slate card? She could product change to a CSP from one of those. 

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I've never heard of the Sapphire 48 month rule applying toward applications, only the 1-Sapphire rule (discounting the various double-dip variants).

[Harvey26]

@Biergeld She does not but she does have 2 already approved offers for both freedom unlimited and freedom flex for 19k at the lowest APR.

[Biergeld]

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@coldfusion wrote:

I've never heard of the Sapphire 48 month rule applying toward applications, only the 1-Sapphire rule (discounting the various double-dip variants).

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Have you heard of anyone getting approved for a new Sapphire without the sign up bonus? Sapphire applications are auto declined if the applicant does not qualify for the sign up bonus. (Outside of double dip variants of course.) 

[Biergeld]

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@Harvey26 wrote:

@Biergeld She does not but she does have 2 already approved offers for both freedom unlimited and freedom flex for 19k at the lowest APR.

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She could apply for either freedom card and eventually product change it to a CSP. However, I'm unsure how Chase feels about making the product change before the first year is up.