New Chase rule: only one Sapphire card
#136
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 24 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.
#137
Join Date: Jul 2016
Posts: 495
You are right --- the key word here is "changing"
#138
Join Date: Jul 2016
Posts: 495
Please let me know your interpretation of this scenario:
User currently has Chase Freedom [15+ years of credit history]
and
User currently has Chase Sapphire Reserve (CSR) [<1 year credit history]
User likes the "CSR flavor" and likes the 15+years years credit history, and would like to have just one Chase card with these 2 features. What is the best approach that would accomplish this without violating the 24 month rule??
For instance, can the user just cancel the CSR, and immediately ask to upgrade/product change the Freedom to the CSR? OR Can the user ask Chase to "consolidate" the 2 cards into 1 and keep the card number of the one that has 15+ years of credit history but ensure it has the CSR flavor, OR is there another approach? The user is not interested in any bonus so please don't factor that into your approach of how it should be accomplished.
Thanks in advance.
#139
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Mia,
Please let me know your interpretation of this scenario:
User currently has Chase Freedom [15+ years of credit history]
and
User currently has Chase Sapphire Reserve (CSR) [<1 year credit history]
User likes the "CSR flavor" and likes the 15+years years credit history, and would like to have just one Chase card with these 2 features. What is the best approach that would accomplish this without violating the 24 month rule??
For instance, can the user just cancel the CSR, and immediately ask to upgrade/product change the Freedom to the CSR? OR Can the user ask Chase to "consolidate" the 2 cards into 1 and keep the card number of the one that has 15+ years of credit history but ensure it has the CSR flavor, OR is there another approach? The user is not interested in any bonus so please don't factor that into your approach of how it should be accomplished.
Thanks in advance.
Please let me know your interpretation of this scenario:
User currently has Chase Freedom [15+ years of credit history]
and
User currently has Chase Sapphire Reserve (CSR) [<1 year credit history]
User likes the "CSR flavor" and likes the 15+years years credit history, and would like to have just one Chase card with these 2 features. What is the best approach that would accomplish this without violating the 24 month rule??
For instance, can the user just cancel the CSR, and immediately ask to upgrade/product change the Freedom to the CSR? OR Can the user ask Chase to "consolidate" the 2 cards into 1 and keep the card number of the one that has 15+ years of credit history but ensure it has the CSR flavor, OR is there another approach? The user is not interested in any bonus so please don't factor that into your approach of how it should be accomplished.
Thanks in advance.
#140
Join Date: Jul 2016
Posts: 495
What purpose would any of this serve? Even if you close your CSR it's still going to show up on your credit report and affect your average age of accounts for the next 10 years. And why would you want to get rid of a no fee card like the Freedom? You do realize that you can earn more points with bonus categories and these points can then be transferred to the CSR. Even if you want the convenience of using only one card, there is absolutely no reason why you can't throw your Freedom in your sock drawer.
I am not requesting an opinion on whether I need the iphone X or the iphone 8 Plus, or both, or none, or whether one is better or is more advantageous than the other. You get the point!
I am just agitated because the response is going on a wrong track and I apologize if my above analogy sounds rude but I don't have knowledge of another way to be direct. Now, if someone could only answer the specific question that I had asked. Thanks.
Last edited by edealinfo12345; Sep 30, 2017 at 10:28 am
#141
Join Date: Sep 2011
Posts: 1,857
The question had nothing to do with the "purpose" behind what I am trying to accomplish. That's like someone asking for something related to the iphone X, and getting a response that the iPhone 8 Plus would be a better deal than the iphone X.
I am not requesting an opinion on whether I need the iphone X or the iphone 8 Plus, or both, or none, or whether one is better or is more advantageous than the other. You get the point!
I am just agitated because the response is going on a wrong track and I apologize if my above analogy sounds rude but I don't have knowledge of another way to be direct. Now, if someone could only answer the specific question that I had asked. Thanks.
I am not requesting an opinion on whether I need the iphone X or the iphone 8 Plus, or both, or none, or whether one is better or is more advantageous than the other. You get the point!
I am just agitated because the response is going on a wrong track and I apologize if my above analogy sounds rude but I don't have knowledge of another way to be direct. Now, if someone could only answer the specific question that I had asked. Thanks.
#142
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Can the user ask Chase to "consolidate" the 2 cards into 1 and keep the card number
#143
Join Date: Jul 2016
Posts: 495
As an analogy, it's like asking a question on the iphone X and getting a response on..........oh well! I tried!
The number would matter only to keep the 15 years of credit history.
Last edited by mia; Sep 30, 2017 at 2:06 pm Reason: Combine consecutive replies
#144
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
#145
Join Date: Sep 2011
Posts: 1,857
I'm perfectly comfortable suggesting that you to use the hammer despite your insistence that it doesn't actually answer your question. Your requirement (avoiding the hammer or having one card) is not reasonable.
#146
Join Date: Jul 2016
Posts: 495
A better analogy akin to your question would be: I need to hammer this nail into this block of wood. I have a hammer and 2 iPhones. Which iPhone should I use?
I'm perfectly comfortable suggesting that you to use the hammer despite your insistence that it doesn't actually answer your question. Your requirement (avoiding the hammer or having one card) is not reasonable.
I'm perfectly comfortable suggesting that you to use the hammer despite your insistence that it doesn't actually answer your question. Your requirement (avoiding the hammer or having one card) is not reasonable.
#147
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Moderator observation
Flyertalk is a discussion board, not an advice bureau. If a reply isn't helpful, ignore it, but don't criticize the poster - the reply may help someone else. Likewise, offer advice only once, ideas don't improve with repetition.
#148
Join Date: Mar 2016
Posts: 20
Has anyone tried downgrading their CSP to a CF/CFU, and then tried applying for the CSR (or vice versa) before 24 months from earning the bonus and gotten approved?
See data point: https://www.reddit.com/r/churning/co...e9m/?context=3
See data point: https://www.reddit.com/r/churning/co...e9m/?context=3
#149
Join Date: Mar 2015
Location: CLE -> BNA
Programs: IHG Spire Ambassador, Hyatt Explorist, Hilton Gold, Bonvoy Titanium, UA Silver, RR A-List
Posts: 312
Has anyone tried downgrading their CSP to a CF/CFU, and then tried applying for the CSR (or vice versa) before 24 months from earning the bonus and gotten approved?
See data point: https://www.reddit.com/r/churning/co...e9m/?context=3
See data point: https://www.reddit.com/r/churning/co...e9m/?context=3
#150
Join Date: Jun 2010
Posts: 2,042
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I don't buy your reasoning. You assume what cards are best from your perspective, not mine! That's your biggest flaw - you ASSUME what's best to your thinking is best for everyone in this country (sort of like Trump's views) For instance, I don't ever use 5% category on Chase, so its relative value in terms of "rewards" is meaningless, for me. You may like keeping tens of credit cards. I don't and never have. And, using my approach, my FICO score is above 800 (and has been so for several years).