![]() ![]() It is, in my opinion, the best no annual fee card when paired with a premium Chase product as I consider the 1.5 Chase UR per dollar spent worth more than the 2% earned on the best no annual fee cashback cards. I think for most people that product changing into this card will make sense as this card is subject to the 5/24 rule and many of us will not be able to apply for it outright. Probably not a big deal for most but Chase was willing to overnight the card to make sure we had it for an upcoming trip. After that fact, I came across this post from Doctor of Credit which summarizes rules and tips for credit reallocation for all the major banks.Ĥ) You Can Have the Card Overnighted to You This was approved without issue and I’m glad I offered this instead of wasting a credit inquiry to perform a credit line increase. Instead of a credit line increase, I asked if I could transfer $2k from another card and then perform the product change. ![]() This leads to point three…ģ) You Can Reallocate Credit Lines via Secure Message They offered to perform a credit line increase which I denied because Chase would need to pull my wife’s credit report and I did not want an additional inquiry on her report when it wasn’t warranted. When I first requested the product change, it was denied as the card required a $5k credit line which I believe is a result of it being a Visa Signature card. My wife’s Sapphire (not Preferred) had only a $4k credit line as I’ve had to take credit from it in the past to get other applications approved. This was especially helpful for me as this was a conversion from my wife’s Sapphire card and I could log into her account & handle this without having her get on the phone.Ģ) The Chase Freedom Unlimited Has a $5k Minimum Credit Line In fact, this might be easier as I’ve read several reports that phone reps had trouble dealing with product conversions. While the card is advertised as being available in branch or over the phone only, you can actually request a product change online via secure message. 1) You Can Request a Product Change via Secure Message ![]()
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