Have a Chase dilemma.
Ms. Nicname has a CSP that's about to hit her one-year annual fee 2/17/18. My question is this, since she won't be able to open a CSR until 2/17/19, would it be better to open a rotating freedom (using me as a referall) and use that for a year while hanging on to UR points, then open a CSR... OR just keep the CSP for a year and then open the CSR?
EDIT to add: I opened a rotating Freedom a few months ago and cancelled my CSP in hopes of getting a CSR and screwed myself because of not realizing the waiting period.