I was just happily approved for a Chase Freedom card with a $2.5k limit. I'm looking forward to this because the card is quite revered, I can gain reputation with Chase Bank (which is apparently pretty good), the rewards complement my Discover It (as in I can sometimes save 5% on gas twice a year for example), and it will give me a card in the Visa network (current cards are Discover It $13.5k and AmEx TrueEarnings $12k with a FICO of 750, current goal is to build credit while I finish PhD program). In addition to these perks, I was really attracted to the benefits of Visa Signature and the possibility of applying those benefits to this card.
Here's where my confusion is. At first I came across a thread stating that a $5k CL was all that was necessary to upgrade to Signature. After approval, I called asking for a CLI and asking about upgrading to Visa Signature. The rep told me that it is not possible to do this, so I ended up canceling the CLI to avoid the second hard pull for now. I plan to request in the summer after I've built history with the card and moved into a new apartment (cheaper living expenses). After further reading, I came across another old thread stating:
Email the Chase Executive Office at [email protected]
Include your name, phone #, and last 4 digits on the card. The card must be at least 1 year old and have a CL over $5K.
Don't bother calling regular customer service.
There was some other indications that customer service cannot simply upgrade to Signature because they are not the ones able to do it. However, I then came across threads stating that customer service successfully upgraded to Signature, emails over the secure message center were successful in upgrading, an $8k CL is required, the account age is irrelevant, and other threads backing the email to the Executive Office. I even read that in the upgrade you can choose between Visa Signature, MasterCard Platinum, or MasterCard World networks (can anyone shed light on what this means and what the differences between these three are?)
There doesn't seem to be a consensus, and maybe there's not a tried and true way to get this upgrade. Maybe it's not even available anymore. If anyone has more information, I'd appreciate your input.