How to Get Visa Signature with Chase Freedom

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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liberate
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How to Get Visa Signature with Chase Freedom

Postby liberate » Thu Feb 19, 2015 9:16 am

Hi all.

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 executive.office@chase.com

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.

Thank you.
It: $19.5k
TrueEarnings: $12k
Sallie Mae: $5k
Freedom: $2.5k

Best Buy: $8k
Kohl's: $0.8k

Discover TU FICO: 754 (6/2015)
Building credit while completeing grad school. Three long years to go...


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jumbo
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Postby jumbo » Thu Feb 19, 2015 10:37 am

I called a CSR and asked to change my card to signature and he was successful in doing so. At the time of request my CL was 6K.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

Fastphilly
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Postby Fastphilly » Thu Feb 19, 2015 12:51 pm

I'm in a similar situation. I've had this Chase Freedom for years. It's been sock drawer for three years. It does have a CL of 5K. I've heard that the card has to be at least 12 months of age to qualify. Does sitting idle for three years qualify? Or is it 12 months or more of continued usage?
In Wallet:
SM Credit Union Platinum Visa 15K (opened 2004)
Citi Double Cash MasterCard 6.6K (opened 2015)
Chase Freedom Visa 5K (2009) (morphed from Providian/Wa Mu)

popamode72
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Postby popamode72 » Thu Feb 19, 2015 1:03 pm

Fastphilly wrote:I'm in a similar situation. I've had this Chase Freedom for years. It's been sock drawer for three years. It does have a CL of 5K. I've heard that the card has to be at least 12 months of age to qualify. Does sitting idle for three years qualify? Or is it 12 months or more of continued usage?


I think you should send a Secured Message to see what they can do for you.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

Fastphilly
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Postby Fastphilly » Thu Feb 19, 2015 1:26 pm

You don't advise calling?
In Wallet:
SM Credit Union Platinum Visa 15K (opened 2004)
Citi Double Cash MasterCard 6.6K (opened 2015)
Chase Freedom Visa 5K (2009) (morphed from Providian/Wa Mu)

liberate
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Postby liberate » Thu Feb 19, 2015 1:28 pm

jumbo wrote:I called a CSR and asked to change my card to signature and he was successful in doing so. At the time of request my CL was 6K.


Thanks for your reply. Was your account less than a year old when you called and had it changed?
It: $19.5k
TrueEarnings: $12k
Sallie Mae: $5k
Freedom: $2.5k

Best Buy: $8k
Kohl's: $0.8k

Discover TU FICO: 754 (6/2015)
Building credit while completeing grad school. Three long years to go...

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Feb 19, 2015 2:04 pm

I suppose VS on a Freedom could be useful when hotels are part of the 5% offerings. I kind of like having one Platinum Visa to use with off-category merchants that try to keep their costs low, though.

When I looked before at what VS offered, I wasn't impressed. Mostly, it looked like 'free' shipping at website that offered it to everyone, $10 off goods that are $20 overpriced, and travel credits that could be easily replicated elsewhere.

I did some research, trying to replicate some of those offers - some were easy, some I wasn't able to. Then again, those offers were pretty narrow - such as applying to one single hotel, instead of a collection of hotels.

Have any heavy travelers here made good use of the offers?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

liberate
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Postby liberate » Thu Feb 19, 2015 3:36 pm

CarefulBuilder14 wrote:I suppose VS on a Freedom could be useful when hotels are part of the 5% offerings. I kind of like having one Platinum Visa to use with off-category merchants that try to keep their costs low, though.

When I looked before at what VS offered, I wasn't impressed. Mostly, it looked like 'free' shipping at website that offered it to everyone, $10 off goods that are $20 overpriced, and travel credits that could be easily replicated elsewhere.

I did some research, trying to replicate some of those offers - some were easy, some I wasn't able to. Then again, those offers were pretty narrow - such as applying to one single hotel, instead of a collection of hotels.

Have any heavy travelers here made good use of the offers?


The rewards did seem nice for the occasional trip; that was my thought process at least. I'm really out of the loop with these different network benefits. I had no idea what you were saying in the bolded statement. VSignature vs. VPlatinum vs. MCPlatinum vs. MCWorld... I understand a little better after some reading, but there are a lot of these.
It: $19.5k
TrueEarnings: $12k
Sallie Mae: $5k
Freedom: $2.5k

Best Buy: $8k
Kohl's: $0.8k

Discover TU FICO: 754 (6/2015)
Building credit while completeing grad school. Three long years to go...

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Feb 19, 2015 4:03 pm

liberate wrote:The rewards did seem nice for the occasional trip; that was my thought process at least. I'm really out of the loop with these different network benefits. I had no idea what you were saying in the bolded statement. VSignature vs. VPlatinum vs. MCPlatinum vs. MCWorld... I understand a little better after some reading, but there are a lot of these.


Merchants give up a bigger cut of the transaction to Visa (and possibly to the issuer, too, I'm not sure) when you pay with a Visa Signature, compared to a Platinum. Likewise, a World or World Elite MasterCard has a higher fee for the merchant than a Platinum MC.

So if there's no real advantage (such as a travel perk or a bonus category) for me in using a VS in a particular everyday transaction, and the merchant is a local small business, I'm happy to just use the Platinum to keep the merchant's fees down a bit.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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PlyrStar93
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Postby PlyrStar93 » Thu Feb 19, 2015 5:20 pm

liberate wrote: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.

In addition to having such a credit line, make sure your account is open for at least 13 months just in case.

liberate wrote: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.

It is very YMMV when dealing with front line CSRs. Especially when you get connected to an overseas call center where the representative happens to have completely no clue about what you are talking about, the rep might just get lazy or give whatever excuse they can to try not doing any research. That being said, same situation may also exist even you are connected to a US call center. Generally, the Executive Office should be much better than front lines.

Having the account for 13 months + 5k CL is the convention, but it may be YMMV and some people can get in Visa Signature before 13 months through appropriate approaches.

liberate wrote:I even read that in the upgrade you can choose between Visa Signature, MasterCard Platinum, or MasterCard World networks

As of 2015, Chase has stopped issuing MasterCard versions of Freedom, and has begun replacing existing MasterCard accounts to Visa.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.



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