You lost me somewhere in there, but let me see if I can address this... You can upgrade CF and CFU to CSR as long as they have been opened for at least a year, you have no other Sapphire products, and the credit line is at least $10,000, with no other restrictions. If you upgrade a card to the Reserve, you would be hit with the AU fee unloess you remove all AUs from the account. Chase doesn't make laws, but their rules do allow for new applications for CSP/CSR without a bonus as long as you don't already have a Sapphire product and otherwise meet eligibility requirements (creditworthiness and under 5/24 unless getting it through a green check mark offer). I'm not sure where 5/48 came from, their 5/24 policy has not changed, but has been expanding to additional cards. You are only eligible to receive a SUB for a Sapphire product every 48 months.
As long as your father meets the eligibility requirements for the card, yes you could refer him for any card that you currently have. That would be quite generous of them to give you their UR points, which they can do as long as you have shared an address for at least the past 30 days.
