I swear I read somewhere that Chase and JPM were going to merge these two cards and go with one product, the CSP. It would make sense because if you look at the benefits, point earn rates, etc. they almost mirror each other. This would leave JPM with one exclusive product, the Palladium card.

Sooner or later, ALL cards will have to have an EMV chip anyway. It's just a matter of when the upgraded card with EMV chip feature will become available.

Citi, BofA, and AMEX has begun doing this for their existing cardholders on a per-request/as-the-old-cards-expire basis. I assume that would be the case with Chase as well.

Will it be C&S or C&P? I think C&S is pretty much as useless as magstripe...

All of Chase's EMV cards are Chip-and-Sig, so it'll probably be that. And while I'd prefer Chip-and-PIN, Chip-and-Sig is better than nothing. I wouldn't want to waste time arguing with a cashier (who may or may not speak English) about how they have to take my magstripe only card.

In a different thread, I read that it will be C&P.

However, I called Chase Customer Support tonight and asked about EMV availability on the CSP, and she didn't know anything about any upcoming changes to CSP. (But maybe she just wasn't looped in?)

So, wait and see, I suppose. I'll be abroad for about a month early in the summer, so I'd love to get it before then.

CSRs don't have any talking points about EMV & the CSP, but it is being worked on.

I read somewhere that someone was in touch with the manager of the Sapphire group and he had commented that it is a priority.

I'm going to be abroad this summer too for a couple of months, but I'm not holding my breath on the card being updated with EMV by then.

I've never had any issues with my CSP abroad. Merchants know what a magstripe card is and swipe it accordingly. Yes, I have run into problems at ticket kiosks, but those are isolated incidents (and I had a BA Visa with me, so no problems).

How is Chip & Sig. useless? In the few situations when I have needed a chipped card, it has worked perfectly. More and more POS terminals in Europe and elsewhere are being connected to the internet, making Chip & PIN less useful compared to Chip & Sig.

+1

I've never had any difficulty whatsoever with using either my Chase Hyatt or Chase BA cards, both of which are Chip & Sig. Both worked like a charm in unattended Kiosks (where my CSP failed).

PC Chase Slate to Freedom
 

My oldest revolving account is my good ol' Chase Slate from 2003.

I am accumulating points with my CSP right now and would love to product change my Slate to the Freedom. If I do, will my Freedom be listed as an open account from 2003? or 2013? (and for what credit reports?) Obviously that would affect my score. And also, does Chase soft pull for this? Thanks all.

I did this last week. Chase told me no credit pull. the account number stays the same so I would think age of the account should stay the same.

I made the same switch a few months back, so I have seen it on my report and can verify that the age stays the same.

Thank goodness!

Thanks

Do you call Chase to do this or PM them? Anyone know if there is a chance to get the 10k UR points by making the conversion?

You can do this via Secure Message as well but highly doubt that will you get any sort of signup bonus for the conversion

I asked if I could get the 10K bonus. He told me I would have to apply for a new Freedom account to get that. I opted to switch the slate over because it is about 11 years old account.

Yeah, in that case the age is more important then a measly 10K points. (depending on credit profile of course)

For a product change (no applying or canceling, or moving credit lines) do I call the Recon line? Or just the regular Chase customer service number on the back of my card?

Just call the number on the back of your card.

I would definitely call the number on the back of your card, just make sure you don't call the United MP number because that's on there, too!

I sent a SMS message to Chase on the 26th and it took three days to get a reply. They responded to my request to change card products only to tell me that I must wait 12 months 1 day or longer before requesting a product change. I'm traveling a bit more now, so I'm going to convert from the Explorer card to the Club. My account was opened on 7/5 last year, so I'm just shy. She offered an alternative which was to apply for the Club Card, but I don't want or need another line of credit, so I'll just wait the remaining few days.

Thanks. I was wondering, is upgrading/product change from Explorer to the Club AFTER 12 months 1 day going to be a hard inquiry? on TOBB, people have been stating it will be hard, while some say product changes should be soft. There has been small debates about this, yet I have not seen a single data point =( only talk...

I wonder why a credit pull would even be necessary in the first place? The credit line has already been established, so you'd think they would make it as painless as possible to convert. My wife switched from the Citibank HHonors Visa to the HHonors Reserve and there was no pull. She received an offer to upgrade, she called the number, and they mailed the card out the next business day. Two years ago when I switched my Chase Slate card to the CSP card, it was all handled via online SMS. Again, no pull there either.

I think you're right. I just Tweeted Chase (yes, I Tweeted) and they said the product change does NOT require a hard credit pull. In the past when people have upgraded from the Explorer to the Club, some have gotten the increase line of credit in which THAT is a hard pull. I think this is the confusion where a lot of people have said why it is a hard pull. So make sure when you upgrade/product change, tell them you want the same credit line with no increase.

Another question, how did you product change from the Slate to CSP? I thought only Slate to Freedom was allowed. This means you didn't get the CSP sign up bonus, right?

Let's see, I believe I upgraded from the Slate to CSP in September 2011.

My Slate card was actually a First USA card, then a Bank One Visa, and finally a Chase Slate card as the banks merged in the early to mid 2000s. It had a $25k limit on it at the time and they saw I barely used the card. I told them I wanted a card with rewards, which was when the rep gave a me a list of like six cards to choose from. I had never had a card with an AF before so choosing the CSP was an 'expensive' choice for me. (I liked the transfer of points to airlines, so I went CSP)

From what I understand, switching to the CSP is rare if not impossible to do nowadays. Perhaps seeing that the account had been open for 10 years had something to do with it.

Thanks for Tweeting Chase about the pull. (I have yet to set up a Twitter account)

@JaysonW, thanks for the info, and no problem. Chase's Tweet response was quick! Oh yeah, no CSP sign up bonus, right?

Has anyone had any luck downgrading from say the MPE to Freedom? I know you used to be able to do it, but Chase told me that they don't do this anymore...which seems like a stupid business decision.

From reading myfico.com and creditcardforum.com forums, it looks like they won't allow it anymore. I even heard product changing from one hotel card to another won't be allowed (i.e. Hyatt to Marriott), however I have had inconsistent answer responses from this.

I know co-branded product changes aren't allowed, and that's understandable, but it would be good business sense to let me keep my account open if I don't want a UA card anymore when the AF comes up...

That was the easiest phone call I have ever had to make to Chase. Called yesterday afternoon, told the guy my Explorer card was 12 months, 4 days old and that I'd like to upgrade to the Club Card. He said no problem and since I had just paid the Explorer's AF of $95, they would reduce the Club Card AF by that same amount. The rep said we could keep using our current cards for up to 60 days, but the Club Card(s) would arrive in 3-5 business days (account number would not change, but the expiration date may). Chase already has my MP account number linked to the current card, so there was nothing else needed.

The call honestly took less than 5 minutes.

Did you inquire whether there would be a credit pull?

No, I did not. According to SuperKirby's post (#65) Chase said no pull would be done.

That is great to hear!

Wow, that was super-fast. The cards arrived via UPS yesterday. I didn't have to sign for them either, UPS just left them at my porch. Nice presentation, but completely unnecessary with large book about the IGH hotels and program information. Oh well, I guess it does the job of making you feel like your getting your AF's worth.

The best $49 you'll ever spend!

Gosh, every time I call to try to change my Slate to something else (Freedom), they say they can't do it right now and "please try again every 1-2 months". So annoying! They tell me it's a random thing. How odd. Anyone know why? I doubt it's due to my credit - but FWIW I have good credit, no derogs or baddies. AAoA 6.0 years, FAKO 700. Also, it's not an ex-WaMu card. I applied for a Slate 8 years ago when I needed my first credit card.

They keep trying to convince me to apply for a new card, which I refuse to because i'm about to buy a house sometime in the near future.

Lol, I think there is some confusion here. @JaysonW, I think you meant to say LHR (Luxury Hotels & Resorts) which lead to @vodkashine thinking you got the IHG card ($49 AF).

Oh and too bad I didn't know where you live when your card arrived ;)

No issues here converting a 2+ year old CSP to a Freedom MC product via SM.

I decided to switch my CSP spend to a mix of the United Club Card and Citi Prestige.

If a CSP MC reappears in the wild, I will consider it!

You may have to look deep in the jungle. According to a poster somewhere on FT (CSP MC thread), Chase is working tightly with Visa to make the two exclusive.

Chase and Visa or the CSP and Visa?

Looks like Chase and Visa. http://www.marketwatch.com/story/vis...ent-2013-02-26

Anyone confirm downgrading (product change) an Ink Plus to Ink Cash/Classic is doable?