Questions and Answers

Hi Ben,

I’m considering changing my chase freedom to the new unlimited because I would get more value in the 1.5 UR points/$ versus the changing categories. I have no problem signing up for it separately and holding both along with the CSP but don’t want to hit the limit for new cards signed up in 2 years. I am going to sign up for the WN plus & premier cards in October to get the companion pass for (hopefully) all of ’17 & ’18.

My question is this, if I upgrade the card (so don’t technically get the new card bonus but still get the 1.5 UR pts/$), does this count as a “new card” against the 5 per 24 months policy? The 15K UR now isn’t as vital to me as the potentially 106k from the two WN cards.

Hopefully [USER=184]@MidSouth Skier[/USER] and [USER=79]@Gaurav[/USER] will chime in, as they follow this more closely, but I believe [I]any[/I] card you are approved for counts against that limit.

If you are preparing yourself for the WN cards and worried about the 5/24, you should definitely upgrade rather than a new app.
I recently downgraded my Chase SP to Freedom Unlimited and asked very clearly if that would incur a new credit inquiry. The answer was a clear NO.
I did this in the past with chase (Student Black – Freedom almost 3 years ago) and did not saw a new inquiry. Again, no new inquiry when I moved from SP to Freedom UL (2 weeks ago).
If you want solid response, send a Secure Message and see what they have to say.

I agree with [USER=522]@PhatMiles[/USER], a product change should not count as a new card. Even if it does, people have reported success in discussing exceptional situations like secondary cards with a reconsideration agent to resolve issues. In this case it’s pretty clear that you are changing products and Chase should be able to see this internally.

Just a quick reminder about your WN cards–to get CP for 17 and 18, your spend must post in 2017 so make sure you don’t trigger your bonus too quickly. I would wait until Jan 2017 to make sure both your spend and bonus points post in 2017 so you only have 6000 points to make up after that (assuming 50k bonus with 2k spend for each card).

Thank you guys! I will confirm with chase first to be safe since I know i’ll get a better value from the unlimited vs the freedom.

[QUOTE=”Jon Y, post: 15873, member: 1814″]Thank you guys! I will confirm with chase first to be safe since I know i’ll get a better value from the unlimited vs the freedom.[/QUOTE]
Good luck and let us know what Chase has to say.