Chase product change

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Postby jdauria » Wed Mar 26, 2014 10:45 am

linuxmachine wrote:Why not just apply for it? 40k points is a decent bonus. Stow your freedom if you rather not use it afterwards but the cash back categories are pretty good all year

Was thinking about it because I do like the Freedom card. I dont think I want to apply just yet, I just got American Express card last week so I dont want another hard pull.
[font=Times New Roman][size=80]American Express Green[color=green] [NPSL][/color]
American Express Blue Cash Preferred
Chase Freedom

American Express Premier Rewards Gold[/size][/font]

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PCed CF to CSP and Chase Basic (formerly Wamu Visa) to CF; got CLI

Postby SteadyWinsTheRace » Thu May 08, 2014 6:00 pm

I had three Chase accounts: a Chase Basic that I opened as a Wamu Visa in 2008 with a credit limit of $2000--it became a Chase card when Wamu was taken over; a Chase Freedom Card with a CL of $3,100 that I opened in 2011; and a Chase Slate with a CL of $3,100 that I opened at the same time.

I don't have a need for three cards and I was only earning rewards on the Freedom so I wanted to do a consolidation and product change. I called 1.800.945.2004 this afternoon and couldn't have had an easier time product changing.

In under 30 minutes, I upgraded by Chase Freedom to a Chase Sapphire Preferred Visa Signature and got a credit limit increase from $3,100 to $8000; yes, they did a hard pull. I then consolidated my Slate onto my Chase Basic so as not to lose that original account history and upgraded that product to a Chase Freedom. The only downside was that my full $3,100 CL wasn't available to allocate and I had to settled for $2600 of it for a total new CL on the consolidated card of $4600.

Honestly, I won't have much use for that card given the benefits of the new Sapphire Preferred, but I didn't want to lose three years of account history on the same day I had a hard pull for a credit limit increase. I can live with what I have.

Bottom line: yes, you can do product changes -- even from old Wamu cards that are now Chase Basics. I think it largely depends on how long you've been with the company, how well you use your credit, and what level of card it is you're trying to upgrade.

Hope that helps.

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Postby dragon452 » Fri May 09, 2014 4:31 pm

SteadyWinsTheRace is correct. Chase will do product changes, but what kind depends on how well they know you. After learning of the Chase MasterCard to Visa conversion from forum member CCDeville a while back, I called Chase to get some advance information on what will become of my 40 year old Freedom World MasterCard account (w/preferred APR and high credit limit). They told me that when the time comes for conversion, I'll (automatically) get another Freedom card with the same credit limit and same APR, but in Visa Signature. I told the agent: "but I've already got a 41 year old Freedom Signature Visa account with a higher limit, (over 25K), and lower APR than the MC, I don't really need TWO of the same card." After a moment, the agent said "you're approved for any type of personal Visa Signature credit card you want with the same credit limit and APR. Do you want to convert the MasterCard now?" I told them I'd wait until the notice of conversion is mailed to me. Maybe a Sapphire type card (with or without the yearly fee). But each individual case will be different for a product change.

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