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Answers (9)

CSR strategy question

CSR strategy question

  1. Clem

    Hi there, this is my first post here but I’m reading you very regularly (and the blog several times a day 🙂 ).
    I have a question about the CSR, and I apologize if it’s been answered before – I couldn’t find anything on the forum.
    I am at 6/24, and as expected my application was rejected for too many cards. I will be back to 4/24 in April next year, if I’m not mistaken.
    So in the meantime, do you think it is possible to 1/upgrade my CSP to CSR now and 2/downgrade my CSR to Freedom Unlimited in April and THEN apply for a new CSR, even if the bonus might not be 100k anymore?
    It seems like a too easy “loophole” so I’m just wondering if Chase will let me do that, or if there are risks that they crack down on that kind of strategies.
    Thanks for your help!

  2. David W

    What’s your motivation for upgrading now? In your shoes, I think I’d just wait instead of upgrading and downgrading cards too much.

  3. Clem

    Simply because I have a ton of traveling coming in the next 6 months, and I eat out all the time so getting 3 points per dollar instead of 2 is rather tempting! I already have Citi Prestige for the 3 points per dollar on traveling, but UR points are more valuable to me.

  4. MidSouthSkier

    If you upgrade you won’t get the 100K bonus.

  5. Clem

    Well, as I explained I would downgrade later to re-apply and get the bonus when I’m below 5/24.

  6. Anonymous

    Hi [USER=2278]@Clem[/USER], and welcome!

    It is possible to do a product change from the CSP (I just did so), and I agree with you that the card is probably worth the extra annual fee given the increased bonus opportunities.

    If you haven’t received the bonus you should technically be eligible for it in future, but the rules could of course change between now and then, so that’s something to keep in mind.

  7. Clem

    Hey there [USER=7]@Tiffany[/USER] , thank you for your answer! So yeah, that basically confirms what I thought, there is nothing preventing me to do that right now but who knows what will be in 6 months (I mean, they literally just ran out of metal to build the cards so they might tighten things up!). I think I might just risk it 🙂 .Thanks again!
    PS: I LOVE the reviews you write on the blog Tiffany, wish there were more :).

  8. David W

    Where’d you hear that they ran out of metal for the cards? Chase has several cards that are metal and I dont there’s a production issue

  9. Clem

    [USER=29]@David W[/USER] check [URL=’’]this article[/URL].

    Quoting: “[I]Chase approved “tens of thousands of applications” in the first two days, said spokeswoman Lauren Francis; the majority of the cards are going to millennials. And the bank didn’t have enough of the special cards—made with a proprietary mix of embedded metals—to meet the demand, so for the time being, it’s sending out regular plastic versions.[/I] “

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