Chase Cardholders Trapped by Product-Change Rules

“It doesn't matter — ink cards are once per lifetime now and pop-up rules are in place for inks so it's all dependent on whether you get the pop-up [re: Chase Accidental Duplicate Business]”

“You’re not waiving a fee for 6 months to churn a free $900 and close an account? [re: Anybody ever get this before from Chase for Prime Visa cardholders? Get a flat 2% cashback on all purchases for the rest of the year if you open a Chase checking or savings account]”

“I’m confused as to what exactly you’re trying to accomplish with your setup? Why downgrade both CSP cards and lose transfer partner access? That said, if you’re looking for a card that can be used for the majority of your spend I’d look at one of the Capital One Venture cards (pairs wells with your Savor) or one of the Bilt cards. [re: Needing to downgrade a card or two, but is there anything else out there I should add?]”

“You might want to get the Capital One Venture X as a Base Card. [re: Strata Premier or Sapphire Preferred?]”

“Just product changed my sockdrawered CFU to this for an upcoming trip. Great use for the credit line that had done nothing in a year. Kind of makes my c1 savor a bit useless til q2 of next year, but can’t argue with 5% grocery at all too [re: $250 Chase Freedom Flex welcome offer and no foreign transaction fees]”

“I was approved for the Chase Freedom Flex and currently waiting for my card to arrive in the mail. If I product change my OG Freedom card to have a second Flex, will I lose out on the sign-on bonus from the Flex CC I'm waiting on? submitted by /u/starursidae [link] [comments]”

“I have the Chase Freedom Unlimited and it's my longest line of credit since I did a product change originally from the Freedom Student. Is there any way for me to get the Flex SUB without canceling? submitted by /u/Adorable-Sink3970 [link] [comments]”

“You could of product changed both those cards to the one you wanted and kept the credit limit now you just have to hope you get the same or better credit limit [re: Did I just make a big mistake?]”

“I PC'd my CFU to the OG Freedom with Rewards to take advantage of the 5% rotating categories and still have the ability to apply for the CF Flex card in the future. [re: Should I switch my chase freedom unlimited to flex?]”

“Current cards: (list cards, limits, opening date) Chase Freedom Unlimited, $5900, 08/23 Chase Sapphire Preferred, $11300, 02/24 Fidelity Rewards, $500 (lol), 10/16/26 Discover Credit Card (forgot what kind, haven't used it in a while, can't check because discover portal currently transitioning to capital one), $3800, 07/22 FICO Score: 760+ Oldest account age: 5 years 9 months Chase 5/24 status: 1/24 Income: $60000 Open to Business Cards: No What's the purpose of your next card? Spend”

“I would not downgrade before the fee. My experience was that they prorated. If you do it immediately after it hits you won’t pay much at all unless something has changed. [re: BCP -> BCE -> BCP AF timing]”

“Can you show a picture of the offer and where did you receive the offer? [re: Special offer to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve]”

“I have CSR and my annual fee just hit. I have a newborn so we don't really plan on traveling in the next year or so. I called to check for a retention offer and they got nothing, so I plan to PC to CSP since we heavily use doordash. Questions: Confirming I can blow through all my benefits before doing the product change? They won't claw back? Is that guaranteed or just unspoken rule that chase doesn't do that? We don't need to do any travel or vacation but figured we could book a”

“Seems like the reduction is only for new accounts. I just asked Customer Service because the APY is the defining factor or rather or not Ill stay [re: More Primis Bank Downgrades]”

“Hi! Just got a new chase reserve. My understanding is the annual $795 appears in my second billing statement so in the next month or two and then is year after? however I see all the creidts for dining, chase travel hotels, the edit etc which are all expired end of this year 2026. Does this mean I should try to use these in the next 2.5 months? AND I get brand new credits for 2027? This kind of feels like double dipping (extra credits) which is great... TLDR is there a significant advantage to g”

“Hello, I had posted about product changing to Premier Select from Premier. I decided to go ahead and call Chase and do a PC. When I called they told me my only option was to downgrade the Premier and that I could not currently upgrade to a Premier Select. They did not know why that was the case as it was what was showed to them on their screen. They said they'd put a note on my account that I wanted to upgrade and the check again in a week. Figured I'd give people this data point. Some b”

“That travel redemption pull is the kind of move that makes you check the fine print on every card you own now. Sucks when they quietly rewrite the value after you've already been earning points with a different plan in mind. [re: BMW Credit Card - Terrible Update to Reward Redemption]”

“I opened a IHG one rewards premier Business credit card less than 2 years ago (16 months ago to be exact) can I still open another one and get the bonus? I've heard that the 2 year wait rule restriction for SUBs didn't apply to the IHG business but not sure submitted by /u/Streetballer3810 [link] [comments]”

“Not for those of us who had it prior to the change. And not for new cardholders who get 6%. [re: Trouble deciding on unlimited 2% cash back card]”

“Email [re: Special offer to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve]”

“Was that targeted offer in the mail, or via email? [re: Special offer to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve]”

“I redeemed cash back points on my chase credit card and the email came with the link to access the credit card but the website won't work. It gives me a 504 domain error. I called my credit card company and they wanna send me another link but I don't think it will work. Why does the egift.activationspot website not work. work and what even is this website? The lady on the phone was directed by her team to send me another link but I never even got another email! It was chase customer supp”

“I got a targeted offer to upgrade my CSP to a CSR and spend $4000 in by mid-December to earn 75k points. The appeal: It doesn't cost me a 5/24 slot. I've already gotten the bonus for the legacy CSR before so I wouldn't have ever been able to get the bonus from the CSR post-refresh (because of the newly introduced lifetime language). The downside: Not a particularly great offered compared to new cardholder bonus offers (but this is not as big of a deal to me because of the upsides lis”

“I currently have the Chase United Explorer Business card and want to get the personal version for its sign-up bonus. Should I apply for the personal card before closing the business card, or close the business card first? Will having the business card affect my eligibility for the personal card’s bonus? Which order should I sign up for / close the cards? submitted by /u/Ayofish [link] [comments]”

“Just got off the wait list today. Disappointed with $7500 limit where every other card I have has $30k-$40k CL. Since I have about 5 months left riding BofA bandwagon before the nerfs kick in, I will ease in usage to perhaps get CLI in the next 6+ months before switching to it full time. [re: How do you like your Robinhood Credit Card?]”

“Are all your other cards Chase cards? If so, I’d keep it as a backup just to have two different issuers. Otherwise, there’s no harm in closing it. Cards closed in good standing will continue to age on your credit report for another 10 years, so it wouldn’t even hurt if it was your oldest account. [re: Should I close my Wells Fargo Autograph card?]”

“After the Bilt transition I received this card (didn't get the new bilt card) and was using it a bit for the 3x gas but now that my chase sapphire preferred has a 3x on gas i havnt been touching it. Is it even worth keeping open? At this point the credit line is about 2.5 years old I think and is my second oldest credit line. Been wanting to get the freedom flex to complete the chase 3 card setup but feel weird with already having a pretty good number of cards. submitted by /u/Mi”

“A year ago, Chase ran a promotion for their CSR card with 100k points + $500 chase travel credit. I received this credit on Chase travel and mine expired on Oct 30th, 2026. Recently I downgraded my CSR to CF and immediately I lost this voucher on the portal. I was planning to use it in the next week :/ Called customer service but they argued that this benefit was tied to CSR but nowhere in the terms does it mention being tied to the card or mention that this voucher has to be used with CSR. Anyo”

“I currently have the chase british airways card, and I know im better off with a different card for rewards. After calling chase, I was told by customer service I can not do a "product change" with this card, and there is no "zero fee" card to switch to. Im wondering if dealing with someone at a local branch might open more doors, or if I am stuck. Likely what I will have to do is open a new chase card and have my credit limit transferred to the new card, then sit on the old”

“it worked for one of my cards but I don't know what the offer/deal is for :( [re: Reminder to check your Chase offers]”

“For the JetBlue, did you ask to downgrade or cancel? [re: Chase waived the fee when I attempted to cancel my Southwest Priority card today.]”

“I canceled my CSR. Not worth $800 for the few benefits I could use. [re: How did CSR go from my best travel card to just my travel insurance add on.]”

“I called to cancel my Plus card a few days ago and said to just cancel it. Best offer they could do is $39 on a $99 AF. [re: Chase waived the fee when I attempted to cancel my Southwest Priority card today.]”

“That will be the only way I don't cancel mine when the annual fee renews next month. [re: Chase waived the fee when I attempted to cancel my Southwest Priority card today.]”

“Funny how they find the fee waiver button the second you breathe the word "cancel". [re: Chase waived the fee when I attempted to cancel my Southwest Priority card today.]”

“I should have cancelled this card quite a while back, but the new $229 AF was enough to push me over the edge. Called them and told them to cancel it since the AF hits next month, and they instantly offered a $229 credit. Not my favorite card, but if they're willing to do that then I will stick it out one more year. Free Rapid Rewards. submitted by /u/Energy_Turtle [link] [comments]”

“Just curious if anyone here currently holds both the Chase Sapphire Preferred and Sapphire Reserve (personal) I remember hearing that Chase changed its one-Sapphire rule, but I'm interested in hearing from people who actually have both cards. What's your experience been like? Do you find it worthwhile to keep both? submitted by /u/IcyNeedleworker955 [link] [comments]”

“Could you elaborate on why I wouldn’t get a sign up bonus? I asked the person on the phone and she made it sound like I would if I applied later. [re: Best move to downgrade Chase Sapphire Preferred Card?]”

“1) I got the Fidelity card already, and the additional 1% -$50AF just didn't seem worth the immediate headache of changing my spending routine, investments, etc... 2) I'm waiting until I apply for other 5%+ cards that cover large expenses like groceries, utilities, retail spending, etc... Not worth pushing those back for the extra 1% on miscellaneous right now. Especially with no SUB. 3) FTF. [re: Got Off the Robinhood Gold Card Waitlist but Didn’t Activate It. Why?]”

“Can the Ultimate Rewards points be transferred to partner airlines and hotels as well? [re: Best move to downgrade Chase Sapphire Preferred Card?]”

“Dashpass and $10/month doordash grocery credit as well. [re: Best move to downgrade Chase Sapphire Preferred Card?]”

“You should downgrade the chase sapphire preferred to the freedom unlimited to have a catch all card in your setup. Also considering looking into the Citi strata premier card since that card can transfer points to American Airlines directly. If you’re taking checked bags when you fly you can keep the AAdvantage plat but if not you can get rid of it [re: Credit Card Setup Recommendation]”

“Hi everyone, I have a Chase Sapphire preferred card that I was planning on downgrading because I don’t use it enough to justify the annual fee. On the phone, Chase gave me 3 card options without an annual fee for the downgrade: Freedom flex, which I understand has rotating categories. Freedom Unlimited, which has 3% on drugstore and dining and 1.5 percent on everything else. It has a sign up bonus on 5% for gas and grocery for a year. And something the rep on the phone called “regular sapphire””

“I'm starting to come around to the perspective of not closing cards, at least from issuers I have other cards with. With lifetime language and increasing velocity scrutiny "just open it again" comes at a large cost. And with product change tricks, upgrade offers, merchant offers, there are ways to squeeze out value... As long as one is committed to monitoring such an account monthly still as if they were still using it monthly, that's fine. The issue I see all the time however”

“Sounds like I can’t downgrade my CSR in Feb to an OG now? I already have CFU. [re: What wait - I didn't ask for this! my OG Freedom is being downgraded!!!!]”

“I have three credit cards currently and I’m thinking about my usage, my spend, and the best bang for my buck. Chase Sapphire Preferred - this is probably my favorite card. I’ve had it for around 8 years. Frequently debate getting the CSR but didn’t want to pay for my AMEX AND CSR. Delta AMEX Platinum - although I have appreciated a lot of the perks and I’m almost at silver medallion which apparently doesn’t mean anything, I don’t think this is worth the cost of $350/year since I only plane trave”

“Phew. I just PCed a CFU and an OG to CFF. Your wording was mildly confusing to me. [re: Any point to keeping the Chase Freedom ?]”

“Ok that’s more reasonable. I was wondering why peeps were getting multiple similar cards. I still won’t get to $1500 spend. [re: What wait - I didn't ask for this! my OG Freedom is being downgraded!!!!]”

“Are you saying that the spending cap is cumulative for all CFF cards? If you have 1 or 10, you still only get 5% on $1500 spend total for all of your cards? [re: Any point to keeping the Chase Freedom ?]”

“I'm out of the loop - I have the original unlimited and the original Freedom. Am I missing out on anything not getting the new Freedom Flex? [re: Any point to keeping the Chase Freedom ?]”

“I have full set of Freedom and no af sapphire too. [re: Any point to keeping the Chase Freedom ?]”

“is the lifetime bonus restriction only for the Sapphires? Or, Chase's entire lineup? [re: Any point to keeping the Chase Freedom ?]”

“The real question is can you convert to a Visa Freedom Flex? That's what I want. [re: Any point to keeping the Chase Freedom ?]”

“https://www.reddit.com/r/CreditCards/comments/1x0u8ei/comment/peo6znb/ [re: What wait - I didn't ask for this! my OG Freedom is being downgraded!!!!]”

“late 2025 they closed off Visa <-> MC product changes, then they reopened them with the Freedom Flex refresh [re: Any point to keeping the Chase Freedom ?]”

MC to Visa thing. Maybe [re: Any point to keeping the Chase Freedom ?]

“I recently received an email that I had to change my Chase Freedom card to the Chase Freedom Unlimited card. The Chase FU card is useless to me. I would like to product change it to a Chase Freedom Flex, but I read online that I would LOSE my account age (on my credit reports) and start brand new since I am changing from a Visa to a MasterCard. Is this correct? Also, I already have a Chase Freedom Flex card, but I read you can have 2 on your account - you just can't apply for 2. Anybody have”

“Basically the title. I have a $6000 purchase coming up. I have never opened a CSR or CSP before. But i have a 175k bonus points pre-approval for CSR now. I was previously targeted for CSP 125k bonus points offer. Once i made up my mind to apply, it’s gone. I am basically looking for best bang without much AF. CSR is okay but i won’t be using much of benefits. submitted by /u/AdmirableGaze [link] [comments]”

“I got an email this morning that my 5% category card that Chase freedom flex is going to be migrated to the unlimited version that has 1.5% cashback on most spend. I wonder why I would be targeted for this? Yes, it’s true that I generally only purchased things with that card that are in the current quarters 5% rate. Can I decline this change if I call in and complain? submitted by /u/Boring-Win8370 [link] [comments]”