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Chase Sapphire Preferred
I downgraded my CSP to Chase Sapphire to avoid the fee almost a year ago. With the new Chase policy of only 4 applications in 2 years, should I try to open a new account online ( I have opened 6 in the last 2 years) or call Chase to ” upgrade ” to the preferred card? Can I qualify for the sign up bonus if they allow an upgrade?
Also, is a business application in 2 years also considered in that amount?
I think the general rule is that five or more queries will prove a problem for a Chase UR earning product application so I think it’s hard to be too optimistic about a new application. You might have better luck trying to upgrade the card back to a CSP but that will not give you a bonus, just the option to transfer miles to partners again, better earning structure etc.
Re: business application, my understanding is that they are looking at credit inquiries which would happen for personal or business cards.