Chase Freedom Non-Signature to VISA Signature Denied
Apr 7, 2014, 4:16 pm
#1
Original Poster
Join Date: Mar 2014
Posts: 331
Chase Freedom Non-Signature to VISA Signature Denied
I got a $2.5K auto CLI from Chase so my current CL on my freedom card is $5.5K. I have called chase, Send SM, contacted EO. All were NOT able to upgrade me to Signature Version of this card.
Any suggestions?
Any suggestions?
Apr 7, 2014, 7:06 pm
#2
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
I can tell you that my husband has a Freedom that is almost 6 years old, 22K credit line but is denied to upgrade to a Visa Signature despite the front line phone rep cheerfully said that should not be any problem and just needed to submit a request. Yet, he got a letter of denial without any reason stated. This was 6 months ago. 18 months ago he requested the upgrade via SM, and was denied.
Who knows what is the real reason or lack thereof, behind it? In my husband's case, it definitely is not the issue of credit line, nor the history of the card.
Who knows what is the real reason or lack thereof, behind it? In my husband's case, it definitely is not the issue of credit line, nor the history of the card.
Apr 7, 2014, 10:49 pm
#3
Join Date: Feb 2013
Location: NYC
Programs: UA 1K, AA EP, Hyatt Diamond, SPG Platinum, M life Noir
Posts: 1,279
There's some kind of algorithm that gives Chase CSRs a yes or no. I have no idea what goes into it (I'd guess certain income, >=$5k CL, and >12 month history are part of it). I find it odd because Chase is incentivized to "upgrade" as many Visa cards as possible to Visa Signature. Just keep trying everything couple of months.
Apr 8, 2014, 1:24 am
#4
Join Date: Jul 2009
Location: KWI
Programs: AA EXP
Posts: 806
Any reason you want Signature? Mine is a non-Sig as well, but with other Signature cards I see no reason to upgrade. A regular Visa card is cheaper for the merchant too.
Apr 8, 2014, 7:01 am
#5
Original Poster
Join Date: Mar 2014
Posts: 331
I can tell you that my husband has a Freedom that is almost 6 years old, 22K credit line but is denied to upgrade to a Visa Signature despite the front line phone rep cheerfully said that should not be any problem and just needed to submit a request. Yet, he got a letter of denial without any reason stated. This was 6 months ago. 18 months ago he requested the upgrade via SM, and was denied.
Who knows what is the real reason or lack thereof, behind it? In my husband's case, it definitely is not the issue of credit line, nor the history of the card.
Who knows what is the real reason or lack thereof, behind it? In my husband's case, it definitely is not the issue of credit line, nor the history of the card.
I suggest you to contact the Chase Executive Office and they will change your card to Siggy ASAP.
Apr 8, 2014, 7:02 am
#6
Original Poster
Join Date: Mar 2014
Posts: 331
There's some kind of algorithm that gives Chase CSRs a yes or no. I have no idea what goes into it (I'd guess certain income, >=$5k CL, and >12 month history are part of it). I find it odd because Chase is incentivized to "upgrade" as many Visa cards as possible to Visa Signature. Just keep trying everything couple of months.
So it's a YMMV situation and I believe, Managers/EO can Override this.
Apr 8, 2014, 7:05 am
#7
Original Poster
Join Date: Mar 2014
Posts: 331
Apr 8, 2014, 7:20 am
#9
Join Date: Jul 2009
Location: KWI
Programs: AA EXP
Posts: 806
Apr 8, 2014, 6:30 pm
#11
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
We think change it to a siggy is a good idea for the better benefit of siggy when buying high priced items. That is pretty much about the whole reason to try to change it given Freedom is a stable in our Chase card folios.
Apr 8, 2014, 7:09 pm
#12
Original Poster
Join Date: Mar 2014
Posts: 331
Phone call? Mail? Care to share the method and the pertinent info you used?
We think change it to a siggy is a good idea for the better benefit of siggy when buying high priced items. That is pretty much about the whole reason to try to change it given Freedom is a stable in our Chase card folios.
We think change it to a siggy is a good idea for the better benefit of siggy when buying high priced items. That is pretty much about the whole reason to try to change it given Freedom is a stable in our Chase card folios.
First send an Email to Chase EO, include your Last 4 digits of card number and ask for a signature upgrade on that.
They will call you within 2-3 days, take the request, then will update the status after 1-2 days of taking request.
Apr 8, 2014, 7:33 pm
#13
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
email address of the Chase EO? That is what I mean pertinent info - either a phone number or an address.
Apr 8, 2014, 9:58 pm
#14
Suspended
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Apr 9, 2014, 1:15 am
#15
Join Date: Jul 2009
Location: KWI
Programs: AA EXP
Posts: 806
It seems the GM card is the only WEMC without a high AF, but I don't want one that bad.