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I’ve read after you received the downgraded freedom, you should be in the clear. But as someone who’s about to do the same, I’d love to hear from others in this thread.
That’s my understanding. I believe I kept applying for the Hyatt Chase last time around this way. My credit is excellent.
What's the current sign up bonus?
80k
Lmk if you do just downgraded mine too
I just tried downgrading via SM but I guess that’s not a thing anymore. Do they give you a hard time for downgrading over the phone?
Not at all. You can product change or downgrade whenever.
Wait 4 business days.
Consider doing a modified double dip.
Pretty sure you asked these questions in another thread too.
Interesting, I figured they'd still let you apply but if anything, the app would've been auto declined. I think your best bet at this point is applying online 4 days from your downgrade and just paying the first annual fee.
I have CSR, freedom and freedom unlimited. I am thinking of transferring my points to freedom, canceling CSR and applying to CSP. Got my CSR in 2016, so I think I should be able to get 80k
You can have multiple freedom, freedom unlimited, freedom flex cards. You’re much better off downgrading your CSR to one of those than canceling it. Canceling only stands to hurt your credit (lose the history, lower available credit).