No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Is it possible to convert a $10K Freedom to a CSP, and then from the CSP to a CSR within a week? Or would I need to hold onto the CSP for a year before I can convert to CSR? Thanks!
@Anonymous wrote:Is it possible to convert a $10K Freedom to a CSP, and then from the CSP to a CSR within a week? Or would I need to hold onto the CSP for a year before I can convert to CSR? Thanks!
I think theoretically you could do it as long as the Freedom is a year old. The CARD act prevents annual fee increases within the first year of card membership even at your request, but after that, I don't think there are any stipulations. So you could go from CSP to CSR, as long as Chase's policy doesn't prevent it.
It really depends on Chase's internal policy on how they interpret the CARD Act. If the account has been opened for more than a year, then it technically doesn't apply. But if they consider the PC to be a "new account" (retaining account number and history of course) then they might require you to wait. I know the downgrade from CSR to CSP isn't an issue in year 1, as abuse of that has been well-documented.
I would try HUCA method to see if you can just PC straight to CSR instead.
@Anonymous wrote:Is it possible to convert a $10K Freedom to a CSP, and then from the CSP to a CSR within a week? Or would I need to hold onto the CSP for a year before I can convert to CSR? Thanks!
Why do you want to do this as a two-step process? Why not go from Freedom to CSR?
Thanks for the responses so far everyone.
i just thought I needed to convert from a CSP to a csr but I'll try a PC tonight. Thanks!
I was also wondering why you were asking about two product changes within a week
I went from freedom to CSR but had to HUCA a day later since I wasn't eligible on one day (computer glitch possibly) and then suddently became eligible for the PC the day after.
A lot of the PCs are YMMV. I assumed you already tried which is why I mentioned HUCA. People have the same issue sometimes stepping down, and might be told they need to convert their card to a CSP or CS prior to converting it to CFU or CF.
i was able to PC from freedom to a CSR after 1 HUCA. thanks everyone for the guidance!!!
@Anonymous wrote:i was able to PC from freedom to a CSR after 1 HUCA. thanks everyone for the guidance!!!
Awesome! That'll be $50. You can use your new $300 grocery credit to buy me a Delta gift card. 😛