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This week's question of the week comes in from reader JP.

Let's move into this week's frequent myler question of the week.

We've now separated this out to a separate episodes, so future questions of the week will be their own standalone episode. J.P. says, I used my Chase Sapphire preferred card to book a flight in a hotel for a future trip.

Now I would like to product change my Sapphire preferred before that trip.

Are there any negative impacts if I product change before travel?

Yeah, this is a great question.

Something that comes up repeatedly, people wondering about this because

it's pretty common for people to get a card that has an annual fee. And then later when the,

you know, maybe they sign up for the card for a big welcome offer and then when the second or third year

annual fee comes due they want a product change to a no fee card we recommend that all the time but

what if in between there you've booked travel and you're counting on the trip protections

of the card for that travel what you know, what's going to happen? Are you still covered if you change,

for example, from the Safari preferred to a Chase Freedom card? Are you still covered at the level

that the Safari preferred offers? Because the preferred offers better travel protections than the

freedom card does. And the answer is, we're not

exactly 100% sure. A few readers have over the years written in saying that they had that

happen and they were covered under the original card that they had at the time of booking.

So that's a positive data point saying that you probably are safe to do so.

Another thing is before this episode, Nick and I trolled through the Safare Preferred's Guide to Benefits to

see if there was anything in there that said, you still had to have this particular

...