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How to request a Chase credit card product change
Get a better card for your needs without a hard pull on your credit.
If you have five Chase cards or if you’ve simply outgrown the card you have, requesting a product change could help you get the card you want without hassle and no changes to your credit score.
However, you can’t change cards with two different rewards programs.
Chase product change: How to request one
Call the number on the back of your card and ask if you’re eligible for a product change. If you qualify, you can complete the process over the phone.
You can only make a product change to any card you want or to any Chase card if you qualify. Your product change eligibility depends on:
- Credit card type.
You can’t product change from one credit card program to another — meaning you can move from the Chase Sapphire Preferred to the Chase Sapphire Reserve. But you can’t move from the latter to a United Airlines cobranded credit card. Also, you can’t change from personal card to business card and vice versa.
- Credit card age.
If you want to make a product change from a no-annual-fee card to a card with an annual fee, you’ll have to wait until after your first year is up. The CARD Act from 2008 prevents Chase to charge a higher annual fee within your first year, but it doesn’t prevent you to change to a card with a lower annual fee.
- Account standing.
You must pay your full balance before the due date to be eligible for a product change.
Why you might want a Chase product change
The reasons for choosing a product change instead of applying for a new credit card can be to:
- Keep your credit card age.
Credit card product change keeps your account’s age intact. But if you close a credit card, you lose the card’s age. This shortens your overall credit history and could have a negative impact on your credit score.
- Earn better rewards.
Upgrading to a stronger credit card within the program could mean higher rewards or higher value for your points. You could also change from accelerated rewards on one category to another where you spend more.
- Avoid hard pulls on your credit.
Making a product change helps you get a card you want without a hard pull on your credit.
- Want to avoid paying an annual fee.
If you have a card with an annual fee and you’d like to switch it out, you can downgrade to a card with no annual fee.
Should you close your old Chase credit card?
No. Your credit card account is still active, you only get a new credit card program. But you should shred your old credit card or return it to a Chase branch for disposal.
Compare Chase credit cards
If you’re looking for something different from your current Chase credit card, consider a product change to another card within the program. This can help you get a card that’s better suited for your needs without a hard pull on your credit.
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