Sapphire Advice!

[Anonymous]

Application is still pending, I called and asked if I could be considered for the preferred instead of the regular one, the rep told me I would have to reapply or do a pc in the future. My question is would it make sense to reapply for the preferred? or just wait and hopefully do a pc when I do get the card,  (have a feeling I will get approved

[09Lexie]

When you called, did you ask the CSR about PC'ing the card? Like, how long you have to have the account? Others have mentioned 13 mos, on your previous post.

[Anonymous]

she just said in the future, didn't give me a specific time frame. Someone else said 13 months but then someone disagree. ughhhh. I guess those 40,000 bonus points are getting to me

[daybreakgonesXe]

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@Anonymous wrote:

Application is still pending, I called and asked if I could be considered for the preferred instead of the regular one, the rep told me I would have to reapply or do a pc in the future. My question is would it make sense to reapply for the preferred? or just wait and hopefully do a pc when I do get the card,  (have a feeling I will get approved

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Personally, I would reapply, unless that 40,000 point offer goes bye-bye! If the sign-up bonus goes away, then PCing would be the better option!

[enharu]

Wasn't there a thread on this already?

You can apply for the sapphire preferred right away. Another user on the forums did that.

Or you can wait >12 months to do a product change, since chase rarely does any pc within first 12 months.

Or, get it changed if possible before they make a decision

[09Lexie]

@enharu

Yes, there was/is a thread about this...the O P started a new one.

[2011beginnings]

You can apply for it right away. I did. I accidentally applied for the regular sapphire and when I got the card, I called in and the CSR said I'd have to reapply. I did and was approved.

[ryanbush]

You can't PC in the first 13 months because thats the law, not Chases policy... thank congress for that (not getting political )

the law states they can't raise the AF on any card for the first year, in essence PCing would be raising the AF (even if they waive it) weird i know!

[enharu]

@2011 I was using u as my example!

[2011beginnings]

Thanks @enharu. Great memory.

Yeah the card act prevents product changes that would incur an annual fee but if you had apped for the CSP first and wanted the CS, you could. I just did that with the AMEX BCP to the BCE. I realized I don't spend enough in groceries to justify the annual fee but I love AMEX backdating!