Questions and Answers

Lucky,

I am curious if you plan to renew your Chase BA card after this last Avios devaluation for domestic flights. If so, can you share your rationale for keeping it?

As for me, I will be getting rid of of my Chase BA card that I have had since 2009 (the anniversary date is coming up next month). I am thinking of getting the Chase Hyatt card in its place.

Two questions related to the swap:
[LIST=1]
[*]I received the Sapphire card 2 months ago. Does Chase have any problem if I apply for the Hyatt card today?
[*]Can I request that the BA card be “converted” to a Hyatt card in order to preserve the age of the credit? If so, can I still receive the sign-up bonus?
[/LIST]
Thanks.

Son,
1. Chase won’t have a “problem” with you applying per se. Whether you will get approved depends on what other activity you’re showing on your credit report, credit history etc. The conventional wisdom is to wait 91 days between applications so I would do that unless there is an offer deadline you need to meet.
2. You can request a product change but I’m not sure about policies about changes between product lines. You will definitely not get the bonus if you do so. I would recommend trying to convert your BA to any no-fee card that Chase offers and applying for a new Hyatt card.

And Son, remember those two free nights with initial approval for the Hyatt card are good for ANY Hyatt property. So if you don’t have an aspirational property in mind you might want to save that application for a time when you do.