Chase PC - Restriction

[NRB525]

OP when did you pay the AF for the Reserve?

What is special about the December 20 date, and that is December 20, 2019?

[TheBoondocks]

I already have a Freedom, I don't like holding 2 of the same cards lol

[TheBoondocks]

Man, I don't even remember I know I got the card sometime in August which is when I got an email from them saying that they sent out the card, I don't even remember having to wait until December honestly. But I believe I paid the AF sometime in March or April. The rep just says I have to wait until Dec 20 for some odd reason.

[wasCB14]

---

@TheBoondocks wrote:
I already have a Freedom, I don't like holding 2 of the same cards lol

---

Most cash back fans and UR enthusiasts would be pretty happy to have a 2nd Freedom. It sounds like aesthetics matter more than rewards, in which case you don't have a lot of PC options within the personal UR lineup. Don't pay an AF just for the sake of having a metal card, though.

[TheBoondocks]

I'm going to just call back every month. But, I know from what a rep said that you could PC 2x a year. So, I'ma just give the guy a benefit of a doubt and say it's in December "20", and see if I could PC then.

[TheBoondocks]

So, I was looking through my statement over the past 2 years, and I saw that my AF was in April, but when I looked at the annual travel credit it says my next one is in Dec when it closes. And I remember it took a couple of months for the AF to hit so I guess the rep was right, I'll just wait until like late Dec and I'm sure that I could downgrade the card, I wouldn't think there would be a limit on how many time you can up/downgrade.

[TheBoondocks]

I called the rep from sapphire team and she said that the reserve isn't eligible for downgrade/product change especially for that card, I'm assuming that it could never be product change and so I came to a conclusion, I'm going to close down the card and call it a lost after 3 years... but whatever, I'm thinking about transferring all my points to hyatt that way the points don't expire hopefully and that I will spread the CL from the reserve to the other cards. They will send me a letter explaining why the card can not be change in a week so I will keep you guys updated. Honestly, people saying I wish I could be with Chase and Amex and all that, its not really a big deal, you guys aren't missing out whatsoever. I thought that I would be good with them but I could also be good without them as well. I never had Chase cards until like late 2016 so it wouldnt matter anyways. 

[FinStar]

Why not wait until December, which is only a few months away? Then, if at that point the account has been restricted for the downgrade then reallocate CL and close.

But, as far as Chase or AmEx goes, it's a matter of preference on what people value with those products. That said, it sound like you've had a good run given the opportunities that you've had with CSR and the travel credit and the number of PCs they've allowed for your account.

[wasCB14]

---

@TheBoondocks wrote:

I called the rep from sapphire team and she said that the reserve isn't eligible for downgrade/product change especially for that card, I'm assuming that it could never be product change and so I came to a conclusion, I'm going to close down the card and call it a lost after 3 years... but whatever, I'm thinking about transferring all my points to hyatt that way the points don't expire hopefully and that I will spread the CL from the reserve to the other cards. They will send me a letter explaining why the card can not be change in a week so I will keep you guys updated. Honestly, people saying I wish I could be with Chase and Amex and all that, its not really a big deal, you guys aren't missing out whatsoever. I thought that I would be good with them but I could also be good without them as well. I never had Chase cards until like late 2016 so it wouldnt matter anyways. 

---

I assume you have a Hyatt card, or stay there occasionally? Keep in mind Hyatt has no online shopping portal to extend point expiration between infrequent stays. Without a Hyatt card or stays, points expire after 24 months.

Plenty of people like AF Amex and Chase cards. They are satisfied with them as they are and have no desire to PC every few months, so such restrictions to limit the potential for customer abuse are not a problem.

[TheBoondocks]

Yes, I have the Hyatt credit card. But, what I was thinking is, would it be possible to downgrade the Reserve to the Preferred then to the old sapphire and then to the FU?