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  1. #1
    Gold Member Victorleo's Avatar
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    Unhappy Chase must really like me

    Just applied for Chase Sapphire Preferred 10 minutes ago, instant approval.
    Logged into my account 5K credit line, total of 13K in credit from Chase. Goodbye subprime lender american express.

    Quik question can I/should I change to a master card edition?
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  2. #2
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    Default amex subprime

    Quote Originally Posted by Victorleo View Post
    Just applied for Chase Sapphire Preferred 10 minutes ago, instant approval.
    Logged into my account 5K credit line, total of 13K in credit from Chase. Goodbye subprime lender american express.

    Quik question can I/should I change to a master card edition?
    I have a chase freedom and an amex blue cash my limit is 10x on the amex I think you have that reversed about the subprime plus the service is so much better with amex they will bend over backwards for you, I'm guessing you don't charge much on amex or you wouldn't feel the way you do!!!!!!!!!!!!!!!

    craigm1
    Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
    Chase Freedom CL 7.5k member since 04
    Chase Marriot Rewards Premier CL 20k member since 13
    Chase Sapphire Preferred CL 25K member since 13
    Bank Americard Cash Rewards Signature Visa CL 14k member since 11
    Discover Cashback Bonus $10.5k member since 11
    US Bank Cash + Signature Visa 15k member since 12
    Citibank Thank You Preffered World Mastercard $16.5k member since 14
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  3. #3
    Centurion Member MemberSince99's Avatar
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    Amex CS is subprime, it's a step above Cap One if you get the offshore CS, American CS is still decent though. But it's obvious that's going away.

    Chase is all American as far as I can tell. I've had both and to be honest if I had my choice between the two, I'd go with Chase. Just my 2 cents.
    FICOS
    TU: 785 January 2014
    EQ: 772 January 2014
    EX: 773 January 2014
    TU08 (Barclay's) 794 January 2014

    Cards:
    Associated Bank Accelerated Rewards Signature Visa 21.5k (05/12)
    Chase Sapphire Preferred Signature Visa 5k (5/13)
    Amex Gold NPSL (5/13 - backdated to 5/99)
    Barclay's Arrival World MasterCard 10k (11/13)
    Citi Dividend Visa 6.3k (12/13)
    Chase Freedom Signature Visa 7k (1/14)
    Bank of America Travel Rewards Signature Visa 10k (2/14)
    Discover IT 4.5k (2/14)
    Amex Everyday Preferred 2k (3/14 - backdated to 3/99)

    Garden: Card carrying Garden Club member. Gardening until 2014!
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  4. Centurion Member DavidNY's Avatar
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    Default

    Quote Originally Posted by MemberSince99 View Post
    Amex CS is subprime, it's a step above Cap One if you get the offshore CS, American CS is still decent though. But it's obvious that's going away.

    Chase is all American as far as I can tell. I've had both and to be honest if I had my choice between the two, I'd go with Chase. Just my 2 cents.
    Agreed .
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  5. #5
    Gold Member Victorleo's Avatar
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    Default

    Quote Originally Posted by craigm1 View Post
    I have a chase freedom and an amex blue cash my limit is 10x on the amex I think you have that reversed about the subprime plus the service is so much better with amex they will bend over backwards for you, I'm guessing you don't charge much on amex or you wouldn't feel the way you do!!!!!!!!!!!!!!!
    craigm1
    I put 1-2K per month on BCP. I notice the CS has been going down hill for about a year now. Now I was a bit sarcastic about the subprime coment but Amex is not what it was a few years ago. I also pay in full on all my cards if thats a factor.
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  6. #6
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    Default

    I have spoken to foreign accented CSRs for my Amex PRG and my Sapphire Preferred. So far I have received excellent customer service from both companies.
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  7. #7
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    To answer your question about Visa or MC, I think to get the MC version you would've needed to apply for the CSP on the MC website. I think it was that way at one time anyway. I don't think the MC is quite as good as the Visa, from what I've read. It was a while back when I looked into it though. I don't really remember what the differences are, but I don't think they're very significant.
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  8. Centurion Member
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    Quote Originally Posted by MemberSince99 View Post
    Amex CS is subprime, it's a step above Cap One if you get the offshore CS, American CS is still decent though. But it's obvious that's going away.

    Chase is all American as far as I can tell. I've had both and to be honest if I had my choice between the two, I'd go with Chase. Just my 2 cents.
    I really don't like overseas customer service. There is a glaring difference between offshore and domestic service with Amex.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  9. #9
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    Default

    Quote Originally Posted by Victorleo View Post
    Just applied for Chase Sapphire Preferred 10 minutes ago, instant approval.
    Logged into my account 5K credit line, total of 13K in credit from Chase. Goodbye subprime lender american express.

    Quik question can I/should I change to a master card edition?
    Congrats on your Chase SP. On your instant approval letter, did it say congrats, "you have been approved for Chase Sapphire credit card"?
    American Express: Blue Cash Everyday & PR GOLD 04
    Visa Signature: BankAmericard Travel Rewards w/EMV, 06 & Chase Freedom, 06 & SP,12
    World Elite Master Card w/EMV: Citi Dividend, 05 & Citi Thank You Preferred, 06
    Discover: It, 12

    Store Cards: Best Buy, 02 & Home depot, 08
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  10. #10
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    Quote Originally Posted by m20e3087 View Post
    Congrats on your Chase SP. On your instant approval letter, did it say congrats, "you have been approved for Chase Sapphire credit card"?
    For whatever reason Chase doesn't really refer to the Preferred account as such, making it seem like you got downgraded in the underwriting process. The quickest way to verify your Preferred status is to go to Ultimate Rewards where you'll see the Preferred logo and the Transfer Points button in the banner. There is no clause in the terms and conditions that allows them to downgrade you, so even if they just say Sapphire, if you apply for the Preferred version then that's the one you get.
    Amex Green - NPSL - 05/12
    Amex Zync - NPSL - 06/12
    Discover it - $7750 - 11/12
    Chase Sapphire Preferred Visa Signature - $5000 - 11/12
    SECU Platinum Visa - $5000 - 08/08
    Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
    Citi Diamond Preferred Mastercard - $3000 - 05/12
    GECRB Old Navy Visa - $2500 - 11/12
    Chase Amazon Visa - $2000 - 11/12
    Chase Freedom Visa - $2000 - 07/12
    Citi Thank You Visa - $1000 - 06/12
    Amex Blue Cash Everyday - $1000 - 01/13
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