What is Product Change (PC)?
Credit Card Glossary · Updated April 2026
Switching your existing credit card to a different card from the same issuer without closing the account or opening a new one. This preserves your credit history and avoids a hard inquiry. For example, upgrading from Chase Freedom to Chase Sapphire Preferred.
Frequently asked questions
What is Product Change?⌄
Switching your existing credit card to a different card from the same issuer without closing the account or opening a new one.
What does Product Change mean on a credit card?⌄
Switching your existing credit card to a different card from the same issuer without closing the account or opening a new one. This preserves your credit history and avoids a hard inquiry. For example, upgrading from Chase Freedom to Chase Sapphire Preferred.
What terms are related to Product Change?⌄
Closely related concepts include Downgrade. Each of these helps clarify different aspects of the same topic.
Where does Product Change apply?⌄
Product Change is a account management concept. It typically appears in the context of balance management, payments, and card lifecycle.
More account management terms
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