Questions and Answers

i just got my Sapphire Reserve and so wanted to downgrade my existing Sapphire Preferred to Freedom Unlimited. The wrinkle is that I bought a bunch of expensive flight tickets on my CSP for flights in January. I have a 1.5yr old and I was banking on the safety of CSP’s trip interruption and cancellation insurance.

My question is – if I downgrade my CSP to freedom unlimited, and my trip is interrupted, which card’s benefits apply? When I bought my tickets, it was on CSP; when I fly, it will be a freedom unlimited. I haven’t had much luck getting confident answers from customer service.

I read the fine print in the CSP benefits guide, and all it says is that my account must be in good standing for the benefits to be paid. One could argue that between my CSR and Freedom Unlimited card, my account continues to be in good standing. The only other pertinent clause seems to be that I must have paid part of my tickets on the CSP, which I did.

I would love to hear your thoughts, even if you don’t know for sure.

I don’t know but I sure wouldn’t count on getting benefits of a CSP if you don’t own it any more.

Chintan, one could argue that for sure, but the probability of succeeding would be next to zero. If you don’t have the CSP, then you don’t have the CSP account in good standing unfortunately and Chase is not likely to honor any benefits. Keep the card and think of it like paying for third party travel insurance.