Chase Sig. Visa policy

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[email protected]
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Chase Sig. Visa policy

Postby [email protected] » Mon Sep 21, 2015 5:48 pm

I have a question about Chase's Signature Visa policy. I have read on this forum that those that have a credit card with Chase for less than a year, are required to wait till the year is up to upgrade their card to a Signature Visa. Would that apply if you had a card with them for less than a year, an applied for a new card such as a Marriot Rewards card? Thanks
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K


pac4toon
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Re: Chase Sig. Visa policy

Postby pac4toon » Mon Sep 21, 2015 6:38 pm

I don't know CHASE's policy but I do remember that my first card with CHASE was the Slate, I had it for less than a year and I applied and got approved for the CSP. Then again, I already had been using an AmEx (Zync) & a VISA (not signature tho) from Hawaiian Airlines for about a year.
In my wallet:
AmEx PRG/ BoH Hawaiian Airlines WEMC / Chase Freedom /

In my sock drawer:
AmEx HHonors & BCE

Vermonster
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Re: Chase Sig. Visa policy

Postby Vermonster » Mon Sep 21, 2015 8:44 pm

My experience with Chase is that they will not upgrade your current card until it is a year old. If you apply for a new card, like a CSP or Marriot, it will be a Visa Sig.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

[email protected]
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Re: Chase Sig. Visa policy

Postby [email protected] » Mon Sep 21, 2015 9:10 pm

Vermonster wrote:My experience with Chase is that they will not upgrade your current card until it is a year old. If you apply for a new card, like a CSP or Marriot, it will be a Visa Sig.


Thanks. We are Marriott rewards members who stay a lot at their Hotels, every year on our Anniversary we stay at the Gaylord Opryland Resort in Nashville, TN. That's why after I get 6-8 months under my belt I will consider applying for the MRP card. I currently have a Chase Slate with a 2,200 CL, and a Freedom with a 3,500 CL but both are only a few months old.
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

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CarefulBuilder14
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Re: Chase Sig. Visa policy

Postby CarefulBuilder14 » Mon Sep 21, 2015 11:17 pm

Chase's T&C for each card state (sometimes explicitly, sometimes implicitly) whether a card comes as always Sig, never Sig, or sometimes Sig. Look at the paragraph preceding "you must be at least 18 years old to qualify".

Marriott: Always
Freedom: Sometimes
Slate: Never
CSP: Always
Amazon: Sometimes
Disney: Sometimes
British Airways: Surprisingly, sometimes. Despite the $95 AF in the second year, it can be Platinum.
Southwest Premier: Signature or Classic (and not Platinum). $99 AF first year.

It really is necessary to know the specific terms of each card.

*And yes, apart from the (as I've recently learned, far-from-guaranteed) soft CL, a lot of the benefits are of questionable value.

**There are so many more threads about people wanting/getting Visa Sig than actually using the benefits. Specific VS cards often have great perks, but those are provided by the issuer, and not Visa.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

takeshi
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Re: Chase Sig. Visa policy

Postby takeshi » Tue Sep 22, 2015 8:56 am

[email protected] wrote:Would that apply if you had a card with them for less than a year, an applied for a new card such as a Marriot Rewards card?

Apping for a new card and upgrading tiers are two entirely different things. With the new card you'd get whatever your credit and income qualify for at the time of application. The tier of the existing card is not relevant.

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Re: Chase Sig. Visa policy

Postby [email protected] » Tue Sep 22, 2015 10:12 am

takeshi wrote:
[email protected] wrote:Would that apply if you had a card with them for less than a year, an applied for a new card such as a Marriot Rewards card?

Apping for a new card and upgrading tiers are two entirely different things. With the new card you'd get whatever your credit and income qualify for at the time of application. The tier of the existing card is not relevant.


Thanks
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

kdm31091
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Re: Chase Sig. Visa policy

Postby kdm31091 » Thu Sep 24, 2015 6:35 pm

CarefulBuilder14 wrote:
**There are so many more threads about people wanting/getting Visa Sig than actually using the benefits. Specific VS cards often have great perks, but those are provided by the issuer, and not Visa.


This, times 1000.

I mean, seriously. I almost NEVER hear of anyone using the benefits. Same with the odd fascination with WEMC. Just don't get it. I fell for the marketing too, hassled for a month with Cap One to get my QS to a Signature. Guess what? Haven't even touched any of the benefits. At this point, don't give a flying fig either way.

beef.stu
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Re: Chase Sig. Visa policy

Postby beef.stu » Tue Sep 29, 2015 3:12 am

kdm31091 wrote:
CarefulBuilder14 wrote:
**There are so many more threads about people wanting/getting Visa Sig than actually using the benefits. Specific VS cards often have great perks, but those are provided by the issuer, and not Visa.


This, times 1000.

I mean, seriously. I almost NEVER hear of anyone using the benefits. Same with the odd fascination with WEMC. Just don't get it. I fell for the marketing too, hassled for a month with Cap One to get my QS to a Signature. Guess what? Haven't even touched any of the benefits. At this point, don't give a flying fig either way.


I will admit that the only reason i have any interest in the visa sig version of the freedom is because that all-silver visa logo. It just looks better, haha
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature



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