One or The Other Chase Card.

One or The Other Chase Card.One or The Other Chase Card.
Warrenseene asked 5 years ago

Hey Board! Silver Spade (first time ever) CreditMagic7 here. I have a decision to make that i like your feedback on it. I’m sure many have went thru this very same thing before but i am very Chase Illiterate and know little to nothing on their procedures.

 

Simple question but hard decision 4 me right now i think. So Ok here goes. I have the nice Freedom Card ($ 3K) for over 1 year now but with that god awful 22.99% APR (Yuck). I like and use the 5% Categories occasionally and ALWAYS PIF. I know a CLI is all but out of the question without a HP, at least for me, that i’m sure of. Even though i never cart a balance on it there will likely be times when i might but more importantly $ 3K doesn’t offer me much flexibility when it comes to spend on it so i don’t ever charge much on it when i do use it which hasn’t been very often.

 

Which brings me to the OTHER Chase Card in the CSP ($ 5K). The APR on this card is to me within reason enough, 15.99% but as you all know it also sports a classic $ 95 AF and i really am not that fond of any AF cards since 2 Diner’s Club AF’s are plenty enough to stomach AS IS.

 

The CSP is a youngling yet and won’t turn 1 year until 2016 so as i see it and if i understand it right, in order to close the one and move the limit to the other right now it would have to go to the CSP. I think i am OK with that in spite of the AF which maybe i can do something about next year.

 

If i call into Chase to request to make this switch would i need to hit up the Recon Dept or can the regular CSR’s handle it?

 

See, it’s double jeopardy for me. One card (Freedom) has BOTH a small limit plus sky high APR but useful categories whereas the CSP is a decent card alright with an equally better APR than the Freedom Card only with the AF. I’m thinking i just as well transfer the $ 3K Freedom into the CSP and thus end up with an $ 8K CSP.

 

Do you think this will slide OK with them? Also question #2 is once this is done what’s the estimation on how long do you have to wait in orer to reapply for the Freedom Card again? Bear in mind that I DID NOT EXERCISE THE BONUS $ 100 OPTION for $ 500 spend on the Freedom Card. So they can’t look at it and say this one is trying to go for another freebie bonus Smiley Very Happy 

Register New Account
Reset Password