Chase Sapphire Reserve

[HowYaDoin]

AF posted 11/1/17

should I downgrade to preferred?
any DP of retention offers?
can i still get another 300 annual credit if i already used it 2016 and 2017 without paying or getting reimbursed the AF

Annual fee posted 10/10

1) until what date do I have to cancel to get back full fee?
2) If I cancel after do i get back anything?
3) when can I use the next $300 travel credit?

If anyone can help greatly appreciated.

Offering a 2 for 1 - Can anybody answer both of our questions??

[Chaimk90]

Is the annual fee prorated?

[ckmk47]

A 3fer.
The annual fee is NOT prorated.  You have until 30 days (a month?) after they bill you to have the charge cancelled.  Otherwise you get nothing back.


If you don't have a Sapphire, it might be worthwhile to downgrade to a Sapphire Preferred for the 2ppd on restaurants. (and ?? other benefits)


The $300 travel credit. a) if you're on the original plan, the credit is annual, jan to dec years. So if you already got an credit in 2017, you're done.  Actually:  The year ends when your Dec statement closes. So you start the next year part of the way through Jan.  So you may be able to get the credit for the next year while still within the 30 days of being billed the AF.
b) If you got your card later - and if your year is over now, you might have this circumstance- you're on a 'member year'.  So the date of the AF hitting, is when your next year starts, and you get a new $300 credit that you can perhaps claim within the 30 days. 

[Eliyohu]

A 3fer.
The annual fee is NOT prorated.  You have until 30 days (a month?) after they bill you to have the charge cancelled.  Otherwise you get nothing back.


If you don't have a Sapphire, it might be worthwhile to downgrade to a Sapphire Preferred for the 2ppd on restaurants. (and ?? other benefits)


The $300 travel credit. a) if you're on the original plan, the credit is annual, jan to dec years.  So if you already got an credit in 2017, you're done. 
b) If you got your card later - and if your year is over now, you might have this circumstance- you're on a 'member year'.  So the date of the AF hitting, is when your next year starts, and you get a new $300 credit that you can perhaps claim within the 30 days.

My member year is January, I was under the impression as soon as my December statement closes I can get the $300 travel credit and then close my card before the AF hits...
Is that correct?

[ckmk47]

My member year is January, I was under the impression as soon as my December statement closes I can get the $300 travel credit and then close my card before the AF hits...
Is that correct?

You're right.  I added the info to my post.

[HowYaDoin]

A 3fer.
The annual fee is NOT prorated.  You have until 30 days (a month?) after they bill you to have the charge cancelled.  Otherwise you get nothing back.


If you don't have a Sapphire, it might be worthwhile to downgrade to a Sapphire Preferred for the 2ppd on restaurants. (and ?? other benefits)


The $300 travel credit. a) if you're on the original plan, the credit is annual, jan to dec years. So if you already got an credit in 2017, you're done.  Actually:  The year ends when your Dec statement closes. So you start the next year part of the way through Jan.  So you may be able to get the credit for the next year while still within the 30 days of being billed the AF.
b) If you got your card later - and if your year is over now, you might have this circumstance- you're on a 'member year'.  So the date of the AF hitting, is when your next year starts, and you get a new $300 credit that you can perhaps claim within the 30 days.

Thanks!!
Is the 30 days confirmed, can I downgrade after the 30-and get something back?

[ckmk47]

Thanks!!
Is the 30 days confirmed, can I downgrade after the 30-and get something back?

Downgrades- I think they pro-rate the AF.

[davidd75]

Downgrades- I think they pro-rate the AF.

are you sure they are pro-rate or you get everything back?

[ckmk47]

are you sure they are pro-rate or you get everything back?

I don't know.

[davidrotts63]

are you sure they are pro-rate or you get everything back?

I've seen conflicting dp each way with this

[HowYaDoin]

Via Secure message Whatever thats worth...

Hello ****,

I will be glad to assist you with information regarding
refund of the annual fee.

I see that the annual membership fee is listed on on your
October 10, 2017 statement.

•The annual fee is eligible to be refunded in full if you
closes the account within 30 days of statement closing
date with annual fee billing; refund will be automatically
credited within 1 to 2 billing cycles after closure.

You can close your account in the following ways:

- Call us at the phone number below.
- Reply to this email
- Send a letter to:
Cardmember Services
PO Box 15298
Wilmington, DE 19850-5298

If you redeem your rewards through Chase
- You will have at least 30 days after we close your
account to use your rewards. Rewards that are not used by
that time will be lost.

Here is helpful information regarding product change:

You will receive full refund of the annual fee if the
product change is processed within 60 days from the post
date of the original product's annual fee. The annual fee
refund will post within 1 to 2 billing cycles after the
product change is processed

It appears full refund until 60 days for product change

[davidd75]

But is it easy to product change or are they giving people a hard time?

[ME17]

But is it easy to product change or are they giving people a hard time?

- The annual fee will be automatically credited when an
account is closed within 30 days from the statement date
that includes the annual fee.

- The annual fee will be automatically credited when you
switch your current card to a Chase card with no annual
fee within 60 days from the date the fee has been
assessed. You have the option to switch your card to any
of the cards below without the annual fee:

this was via secure message- hope it helps-

they offered to change to sapphire visa signature, unlimited and freedom

[dealtastic]

You have until 30 days (a month?) after they bill you to have the charge cancelled.  Otherwise you get nothing back.

To clarify, "billing" means statement closing date that shows the fee (not when the fee posts on the 1st of the month).

[ckmk47]

To clarify, "billing" means statement closing date that shows the fee (not when the fee posts on the 1st of the month).

ooh! That's a helpful fact.

[MasterAmex]

But is it easy to product change or are they giving people a hard time?

Any recent DP of downgrading Sapphire reserve to no AF sapphire card?
up to the 4th rep telling me it cant be done.

[ME17]

Chase Sapphire Visa Signature card:
No Annual Fee for this product. Earn 1 point for every $1
on all purchases and an additional 1 point for every $1
spent on dining - when you use your card at restaurants.
No caps on the amount of points earned. Bonus/Promotional
offers may have a maximum accumulation. No expiration on
points. Product includes a 3% foreign transaction fee for
any transactions made in a currency other than U.S.
Dollars, which may include internet sites based outside of
the United States.

I was told this via SM

[Sfuzzi]

For some reason I am having a hard time keeping this straight

Appreciate if I could get help with four question

1.My csr due date is the 25th. I opened my card last December and received the tc in both December and January. I think I can receive it again in December but  think the travel charge would have to be made after 12/28. Can anybody confirm if I am understanding correctly

2. My husband has a csr from last January so he has only received one tc in January. His due date is the 24 th so I think he would have to charge after dec 27?

3. Is there a way to confirm what date we will have to pay the renewal fee?

4. We will be traveling end of December so would like to change my due if entitled to the tc in question 1 and 2. Do you know how far in advance I would have to request to change the due date to 18th? Or maybe it is already too late

Thank you!

[MasterAmex]

Delta gift cards triggers $300 airline credit?

[Dave A]

All of my spending is dining/travel.  I will likely not be eligible for CSR for a while due to 5/24.  Any reason not to just upgrade my CSP to CSR, so I can take advantage of the 3x points on dining/travel, as well as the 1.5 portal redemption (living in Israel, that's often helpful with non-points hotels)?