popamode72 wrote:I was fooled into apping for the Freedom once because of CK too. Trying to get my SW card changed into one now that I've been in with them for about a month so I won't have to waste a HP later on. Called the EO on Friday and I should be hearing back from them by Wednesday.
Edit: Called the EO again. Haven't called me back yet but a woman I talked to explained why it wouldn't be likely for them to change a cobranded card to the Freedom and made it perfectly understandable as to why but she also said that if I wanted get the Freedom without actually having to apply for it, I could look into applying for the Chase Slate and PCing into the Freedom in the long term. Someone on Credit Pulls said that they were able to get it converted after getting approved through the backdoor number.
She even called it their most basic card to have and also called it a starter card. Probably not doing that if I do try again for that card in the future but that's just something she wanted me to keep in mind as well as applying for the Freedom in a branch for the offers.
PCing the Slate into a Freedom is definitely a widely tested strategy. From reading a few other threads, it sounds like the Chase CSRs are happy to do it unless a Slate account has been designated "not eligible for a product change" by the Chase computer system. It doesn't sound like something easily fixed with a dozen calls over the course of a week. It sounds like with enough time and no new baddies, the Chase computer's restriction will relax, and a Slate can be PCed into a Freedom.
PCing a Southwest into a Freedom is definitely a more unusual move. I don't know how valid the 'cobranded' explanation is, but even if you can get around that obstacle, they may have rules about minimum periods for holding a card before you can PC. They have already gotten their annual fee, though, so that shouldn't bother them.
Also, you're in your 13th month of credit history, and have 11 cards open right now. How many different cards do you want to manage? If you try to add Arrival+, Freedom, Sallie Mae or BofA Cash Rewards...and then drop Southwest...that still puts you at 13 cards. 13 would be a fair number for a road warrior, but it is hard to imagine needing that many in college.
Possible factors that Chase / other lenders might consider but not mention is the number of cards you have total, as well as a few low-limit cards. I'd consider gardening for several months and then closing anything that you didn't use once every month or that had a special future purpose like a travel card. Arrival+ and Freedom are general-use cards, and you do already have a fair number of those.
Although you might close Amex Everyday, Amazon store, and QuickSilver once you have Sallie/BofA and Arrival+, so that would bring you down to 10.
Your AAoA will grow more slowly once you close cards, but it might be best to do some 'weeding'.
I would not add the Slate right now. I would garden and decide which general-purpose cards to keep. If you really see a great use for the Freedom (even with the rewards being trimmed) you can app for it then. The Discover is just so close to the Freedom, though, and you already have a lot of cards for your length of history. Using your Discover might get an auto CLI after 6 months or a year. Getting a higher limit on what is currently your lowest-limit everyday card might be helpful in the future.