Originally Posted by
Dr Jabadski
....Is there a difference in Chase’s system for recognizing a card as being closed ....card is PCed (
Yes. When a card is closed there is a period during which it can be reopened, and during that period a Sapphire application would be rejected because the system will see that you already hold one, even though it is closed. When a card is product changed it takes much less time for the system to recognize that you do not hold a Sapphire card.
Substantial discussion here:
Chase Product Change/Card Conversion: Downgrade, Upgrade, Keep or Cancel? (2023-)