Wanting to upgrade my Freedom to a Sapphire Prefered

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waffled
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Wanting to upgrade my Freedom to a Sapphire Prefered

Postby waffled » Tue Oct 16, 2012 9:23 pm

I've had my Chase Freedom for about half a year now, it has a $5300 limit (I'm 22 and I've never carried a balance on it). My credit is at about 745, I'm still gonna wait a couple months to apply for the Sapphire Prefered but I have a few questions:

-Will they allow me to combine my credit limits and close the Freedom card?
-Will my points transfer?
-Can the points be used to pay off part of the bill?

Also I have a question about AMEX, I have two Gold Delta Skymiles, one personal and one business, $5000 and $3000 limits respectively, would I be allowed to combine them into one?

Thanks in advance! :D
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash


kcarter609
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Postby kcarter609 » Tue Oct 16, 2012 9:33 pm

Why upgrade the Freedom to CSP? They're both great cards.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

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waffled
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Postby waffled » Tue Oct 16, 2012 9:39 pm

kcarter609 wrote:Why upgrade the Freedom to CSP? They're both great cards.


Sapphire has no international fee, I spend 2-3 months of the year overseas, all the extra benefits, and honestly I like the fact that it's metal.
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

kcarter609
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Postby kcarter609 » Tue Oct 16, 2012 10:02 pm

Why not just apply for the CSP and hang on to the Freedom?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

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waffled
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Postby waffled » Tue Oct 16, 2012 10:35 pm

kcarter609 wrote:Why not just apply for the CSP and hang on to the Freedom?


Just trying to cut down on the amount of cards, I have 8 credit cards with a total CL of $23,800... which is about the same as my yearly income.
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

jlam572
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Postby jlam572 » Tue Oct 16, 2012 11:54 pm

I didnt have any luck doing it. I ended up closing my account because of it as well... didnt like the way i was treated by chase. People seem to like them though, so good luck in your decision.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

jeffysdad
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Postby jeffysdad » Wed Oct 17, 2012 5:34 am

If you upgrade instead of apply for a new account, you will miss out on whatever new account bonus they are offering. Freedom and Sapphire make a good pair; lots of people on here have them both, including myself.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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waffled
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Postby waffled » Wed Oct 17, 2012 11:02 am

jeffysdad wrote:If you upgrade instead of apply for a new account, you will miss out on whatever new account bonus they are offering. Freedom and Sapphire make a good pair; lots of people on here have them both, including myself.


Oh didn't think I'd miss out on the 50,000 points, good point..
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

Money card
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Postby Money card » Sat Oct 20, 2012 10:25 pm

interesting question about your Delta American Express cards? first do you own the business that you work for? second were you the person who sighned you for the Delta skymiles small business card or did an authorizing officer sigh you?
I kinda have a feeling that most company's like to keep there business cards separate from the personal same as with checking accounts the banks and credit card company's the same separate from personal business and company business.

however if you own the business or if you signed yourself for the small business delta card they might combine your credit limits.
If I were you I would call the number on the back of your small business card , when an account mgr picks up I would ask this question.
you might want to call 2 times because when you ask 2 account mgrs 1 question you get 2 different answers for the same question.

DavidNY
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Postby DavidNY » Sun Oct 21, 2012 6:43 pm

I plan on getting the Sapphire eventually, but I'm not trading my Freedom card for it.

waffled wrote:Oh didn't think I'd miss out on the 50,000 points, good point..


Is there a 50k offer? I only see 40k.



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