I'd like to know the answer to this too!

Should be possible since it's going from a UR earning credit card to a UR earning credit card, but confirmation is much appreciated.

Just adding a quick message to confirm this is still true as of this week (as expected). Spouse was unable to convert a BA Visa, opened @15 month ago, to a Freedom Visa or anything else. They suggested applying for the Freedom instead.

Keep 1 permanent card?
 

Guys

I only have a credit history dating back 3 years but a very good one. Apart from 4-5 from amex, citi, I have chase priority club opened in aug 2012, ink bold and marriott

Initially i thought i should close off priority club since i don't use it and the annual fee is coming up. However, on 2nd thoughts, I think i may want to convert it into a freedom or any other no-annual fee card just to keep one card permanently with them to maintain a long credit history. Does that make sense and can they convert a card maintaining the credit history length?

Thanks

IMO keeping one no-AF card with each bank is a great way to build history.

Also, I doubt (99% positive) you cannot change from a co-branded CC (in your case the Priority Club/IHG) to a non-co-branded CC. You will most likely (99%) get the same message as @oceandreamer posted above.

Something strange happened when my mother downgraded her CSP to Freedom MC.
 

The strangest thing just happened. My mother had a CSP (let's say...ending in 1234) with a $5k limit.
I had her SM Chase to convert it into a Freedom MC...which they did.

They shipped her a New Freedom credit card with a new credit number (ending in..say...5678)

Except that the old card ending in 1234 STILL showed on her Chase profile, ALSO as a Chase Freedom!!
So I told her to SM them and tell them to take it out of her profile.
They replied asking her if she'd want to move the $5k limit from that Freedom card to the other Freedom MC card?!!!!!!!!

Say what?

I've checked her credit report. Chase did not do a separate pull (at first I thought the Freedom MC could have been a new card with a new hard pull). So what's happening?

How could the old card (1234) have turned into a new Freedom MC with new numbers (5678) and also self-converted into a Freedom Visa with the same numbers (1234)?

:confused::confused:

This is normal. I had the same happen with another conversion - the old card number will drop off after 1-2 billing cycles, and is probably not able to be charged. The new card is the only true card.

When you do a Chase PC the old card (CSP in this case) will stay active for approximately 45-60 days during the transition process. After those 45-60 days, the old card will automatically become inactive and disappear from your account. When I did exactly this (PCing my CSP Visa to a Freedom MC) the CSR told me that I could continue to use my CSP with the same rewards structure during those 45 days, but it appears that it switched over to the Freedom reward structure immediately. So when I was physically swiping my CSP Visa, it was like I was swiping my new Freedom MC when it came to rewards.

Also, I suspect the CSR was mistaken when she asked if they could move the $5k limit. It would have likely produced an error if she tried to execute that change.

Thanks... That's what I suspected but lets see how the CSR responds now.

But no hard pull or new trade/credit line, correct?

Update: So mum got another Secure message saying that the CSR had made a mistake and that the $5000 CL wasn't really available for use.

So the CSR said that she was going to go ahead and remove it from her account. And it's done. The old account is no longer on her profile.

But...
Wait for it...

Her new Freedom MC credit line has now increased by $5000.
:confused::confused::confused::confused:

Nope. No hard pull.

So when you call the number on the back of the Freedom MC card, it says the credit limit is now $10k? If so, I'd lay low, you got lucky.

Well..my mum not me...but yeah. I'm totally trying this when it's my turn to downgrade. :D

Which card to PC to Freedom?
 

I have a Chase Amazon from '08, CSP from March, United Explorer from April and Ink from June. Dining expenses are minimal and I will use Barclays Arrival and AMEX BCP for most spending after I hit 25K on United. I want to either product change the Amazon to Freedom and close CSP when it hits 11 months, or keep Amazon and product change CSP to Freedom. I am assuming I can transfer Freedom points to Ink. We do buy a lot from Amazon, and can put their points to good use.

I was denied for United business for too many new accounts (16 total new cards opened this year) and recently opened Ink. My main goal is SW personal and business, Ink Plus and United Business over the next year, and maybe a hotel card somewhere along the way. Family of 4 and we stay in low-mid price hotels off the beaten path using Arrival points.

Any thoughts or feedback is appreciated.

What is your goal?

The Chase Amazon seems like the only card you've had for a few years, so I'd hold on to that since your credit score is impacted by the average length of time your accounts have been open.

FYI: You may get more points by purchasing Amazon gifts cards at office stores with your Ink.

I have earned nearly a million miles this year. My goal is a SW companion pass by next spring, and as many UR points and UA miles as possible with as few annual fees as possible. No hurry on the UR and UA. I would keep the Amazon card, if I do, primarily for mfd spending at drugstores which winds up giving a 60% discount or so on Amazon purchases. But if Chase would be easier to get approvals with fewer cards held, I'm better off PCing the Amazon and dumping CSP. My oldest card is a Citi from around 2003.

Chase won't let you go from co-branded cards to cards like the CSP or freedom anymore, at least according to the rep when I asked.

Sounds like you know your stuff, possibly better than me. :D I assume you already know, but in case you haven't seen it, SW is having the 50k mile promotion again, and they've announced the mileage devaluation:
http://www.flyertalk.com/forum/south...nts-offer.html
http://www.flyertalk.com/forum/south...31-2014-a.html

The website says the 50k bonus is good until 10/30/14. Since you were recently denied for having too many cards, do you think you can get both the SW personal & business in one round? Since you need to wait a full year between applications, you'll have to decide if you want to apply for both in late October or wait until next year.

Rhetorical ?) since you have nearly a million miles, what's the hurry? My mileage balance is a lot lower than yours, but I'm happy with it, because it fits my needs. I personally focus on the hotel points / free stays, because that's where a majority of our travel budget used to go.

Yes, you can transfer from between your personal UR accounts & your spouse's. I see no reason why you couldn't transfer to the Ink if it's in your name. If the Ink is for a business with a different EIN, then it may violate Chase's terms (I'm guessing here). I'm not exactly sure if the same restrictions exist for transferring UR from the business cards, and was about to search FT for the answer. I'll let you know if I find anything.

As far as hotel cards go, the Marriott & IHG both give a free night every year that is worth more than the annual fee. My wife I have have both cards with the same anniversary date, so we can get 2 nights free at each per year.

Converting an old Chase Slate to Freedom?
 

Hi all. I have an old Chase Slate card that's gone unused for years. I keep it open though just for the boost to my utilization ratio and credit history. I'm thinking however about asking Chase to convert this card from a Slate to a Freedom, so I can start taking advantage of the 5x category bonuses.

If I do this, how will it impact my credit history? Will it be transparent to credit reporting agencies, or will it look like I started a brand new line of credit?

I asked around and they said it will report as the old history with same account open date. So no worries.

Becareful on CLIs though, if you ask for a CLI when you PC, they will hard pull you without telling you. Make sure you ask for the same limit and ask to make sure it's only a soft pull.

Of course if you don't mind the hard pull then it doesn't matter.

sorry for my stupid question. what's the benefit to convert Slate to Freedom?

My reason to convert was I had the slate from the $0 fee, 0% money transfer days. When those good times ended the card just sat unused and sad. I wanted the Freedom for the 5x UR points quarterly categories. I could have applied for new account, but my slate was 11 years old, and sign up bonus was only 10k UR points. I thought it better to keep the old account active and avoid a credit pull. Now the old account is actively being used again each quarter.

I think most people PC Slate to Freedom for the same reasons as @Twodawgs.

When the 0% promo is over for the Slate, the Slate gives no rewards. It either gets sock drawered or changed into something else (if you're allowed to). The Freedom gives great UR points and if you have the Chase Sapphire Preferred, you can transfer your Freedom points to the CSP.

Converting to Sapphire Preferred
 

I currently have the regular Sapphire card. I want to convert to Preferred. Will I be eligible to get the 40K bonus?

Do I just call customer service and make the conversion? or is there a specific way to do it to make sure I get the 40K bonus.

I assume that my current UR points balance will roll forward? Correct?

Also I currently have the low end SW card. Any reason to keep this card when I get the SP? Obviously I will wait until my annual fee comes up to see if I can negotiate something. The only reason I can see keeping it is the 4 free drinks I get annually and the 3,000 annual SW points. These 2 items cancel out the $69 annual fee.

You will not get 40k Bonus point for upgrade! Only new sign up is eligible for 40k bonus.

You can always ask for a bonus. If you spend enough on the Sapphire card, they'll want to keep you. It may not be 40k though...

Most likely won't get the bonus for converting to the CSP. But you never know as they might give you an offer. Call first.

As for your WN card, putting spend on it would be pointless since the CSP points multiplier are higher. If you want to keep it for the perks, I would prefer the higher end WN card. the 6000 pts a year is already worth more than the AF. I value WN at 1.5 CPP so 6000 pts = $90, and you get more perks with the higher end WN card.

If you don't mind doing that, I personally think it's nice to combo an airline/hotel card with the CSP. CSP for the points, the airline/hotel card for the perks. A good amount of people do that on here (understatement of the year, lol).

I think the three cards from Chase I will keep long term will be the CSP, the Hyatt and the Freedom (once I get the last two, eventually).

That's probably the most popular combo for Chase and a heck of a deal. Try to find a way to add the no AF Ink.

I considered it, but the only thing I would really use it for is the 2x on gas. I'd rather use my 5% cash back card from Pen Fed when the Freedom doesn't have gas as a bonus category. Luckily my UA card expires right at the beginning of the year, so I can just cancel it in favor of the Freedom.

Oh ok I see. 5% is def. better.

Sounds like they don't wanna convert a annual fee card into a non annual fee card.

All I did in the past was converting a non fee card to a fee card...

Southwest visa is a co-branded credit card. Such cards can't be converted unless SW has any non-fee card.

Good point

I'm going to try to convert my Marriott premier card to freedom after the free night posts.. I converted my CSP to freedom in Feb and that was a really good move. Earned 15k points in the 5x categories.

You won't be able to.

CSP is my all-round credit card, and I converted my freedom card to CSP three years ago, and am happy with the change...

When I had the freedom, I kept the count and found not all of my 5X points were correctly awarded. Maybe it was the fault of the merchants, but CSP 2X on dining and traveling has been working flawlessly so far.

I just asked via secure message if it was possible to convert a Freedom to a CSP and they said it was no problem. Big catch is no 40,000 bonus points. Only upside is no hard pull and your card history "sticks" from the first card (it's treated and reported as one continuous account).

Exactly!!! I lived the same same thing.

Then I realized it would be a better life for me if I can stop thinking about that 50000 points. At least there is no chance of getting a denial letter from Chase that breaks you heart...

I have read this entire thread, and saw that in the personal cards the account has to be open 1 year + 1 day to convert it. After getting a SM from Chase saying my MC accounts are being converted automatically to Visa, I am interested in seeing if I can downgrade my Ink Plus and Bold. Both have been open for less than a year.

Does the 1 year + 1 day apply to business cards? From what I have read here, the Bold cannot be downgraded.

I just want to keep my options open to get the card + bonus again in the future. But I also like to keep cards open at least 6 months. The Plus account is over 6 months old, but will be converted before it is a year old to Visa. The Bold account was opened during small business week. The 6 months since approval on the Bold will not occur until after the first of the year, which may be too late to avoid the Visa conversion.

So ideally, I would like to downgrade the Bold and close the Plus card, but from what I have read here that might not be possible. Chase doesn't take away a card bonus if the card is not open for 6 months, do they?

Chase did say I would be notified before the conversion from MC to Visa was made.

Thanks for any input!

The Bold is a charge card, so i doubt it can be product changed into anything else. Try product changing the Plus card instead and close the Bold card.