I have a Chase classic card at $4000 that was opened in early July. It will hit 6 months next month. Right now, it has a 3.99% APR until April for purchases/transfers, but I just moved $3500 to Citibank, then put $3900 back so I could take advantage of a "3.99% until paid" offer. OK, here's the issue: When the promo period ends, the rate goes to 18.99%. After reading all the Citibank upgrade posts, I decided to call and see if Chase would change the card to a Gold or Platinum. The rep said they call it a 'trade-up', and in effect, I would have to apply for it, with a credit inquiry and all. Had to stop there since I've opened several accounts recently and don't want the unnecessary (at this point) inquiry. Has anyone successfully upgraded a Chase card? Did you keep the same account number, get a line increase, what happened? Also, how long was the processing time? TIA.