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Old Jul 19, 2013 | 11:34 am
  #121  
 
Join Date: Sep 2012
Location: Florida
Posts: 448
Originally Posted by SuperKirby
Anyone confirm downgrading (product change) an Ink Plus to Ink Cash/Classic is doable?
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.
MilesGator is offline  
Old Jul 24, 2013 | 1:35 pm
  #122  
 
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Originally Posted by mia
I asked Chase this question earlier this week and was told that the British Airways VISA cannot be converted to "any other rewards card". You may receive a different answer.
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.
oceandreamer is offline  
Old Aug 7, 2013 | 9:48 am
  #123  
 
Join Date: Apr 2013
Posts: 26
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
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Old Aug 7, 2013 | 10:24 am
  #124  
 
Join Date: Feb 2013
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Originally Posted by totlaboy
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.
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Old Aug 12, 2013 | 10:37 am
  #125  
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
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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)?

jatink129 is offline  
Old Aug 12, 2013 | 10:53 am
  #126  
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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.
ycrimi is offline  
Old Aug 12, 2013 | 10:56 am
  #127  
 
Join Date: Feb 2013
Location: NYC
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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.
bribro is offline  
Old Aug 12, 2013 | 11:32 am
  #128  
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
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Thanks... That's what I suspected but lets see how the CSR responds now.
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Old Aug 12, 2013 | 3:16 pm
  #129  
 
Join Date: Feb 2013
Posts: 1,818
Originally Posted by jatink129
Thanks... That's what I suspected but lets see how the CSR responds now.
But no hard pull or new trade/credit line, correct?
SuperKirby is offline  
Old Aug 12, 2013 | 10:11 pm
  #130  
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
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Posts: 1,237
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.



Originally Posted by SuperKirby
But no hard pull or new trade/credit line, correct?
Nope. No hard pull.
jatink129 is offline  
Old Aug 13, 2013 | 5:26 pm
  #131  
 
Join Date: Feb 2013
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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.
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Old Aug 24, 2013 | 8:49 pm
  #132  
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
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Posts: 1,237
Originally Posted by bribro
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.
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Old Sep 26, 2013 | 7:22 pm
  #133  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
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.
KennyBSAT is offline  
Old Sep 26, 2013 | 10:44 pm
  #134  
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Join Date: Dec 2012
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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.
ChicagoDave is offline  
Old Sep 27, 2013 | 8:47 am
  #135  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Originally Posted by ChicagoDave
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.
KennyBSAT is offline  


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