user: won’t let me upgrade to #SapphireReserve bc I’ve only had the preferred card for 11 months. Guess Ill be taking my $63k in charges in 11 months to
agent: 2/3 prevents us from changing a product if the annual fee will increase on an account that has not been open for at 1/3 Some of our policies had to be changed to ensure we remain in compliance with the CARD act. One of these changes 3/3 least 12 months. We want you to stay, and I'm sorry we can't change your card sooner.
user: It’s going to prevent you from keeping me as a customer. I wish you could find a workaround for me, bc I like the card.
agent: 1/2 I'm sorry, but we're unable to work around this. We do want you to stay, and we know this is important to you. Once the 2/2 account is at least 12 months old, we would love to assist you with changing your card. We ask for your patience in this.
user: Just lost me...
agent: We don't want you to go but understand your position. We've made sure your concerns have been heard.
user: Thank you
agent: You're welcome.

Customer is complaining that is not letting them to upgrade to Sapphire Reserve because they only had the preferred card for 11 months. Agent updates that once the account is at least 12 months old, they would love to assist them with changing their card.
### Instruction: Below is a conversation between a human and an AI agent. Write a summary of the conversation.

### Input:
user: won’t let me upgrade to #SapphireReserve bc I’ve only had the preferred card for 11 months. Guess Ill be taking my $63k in charges in 11 months to
agent: 2/3 prevents us from changing a product if the annual fee will increase on an account that has not been open for at 1/3 Some of our policies had to be changed to ensure we remain in compliance with the CARD act. One of these changes 3/3 least 12 months. We want you to stay, and I'm sorry we can't change your card sooner.
user: It’s going to prevent you from keeping me as a customer. I wish you could find a workaround for me, bc I like the card.
agent: 1/2 I'm sorry, but we're unable to work around this. We do want you to stay, and we know this is important to you. Once the 2/2 account is at least 12 months old, we would love to assist you with changing your card. We ask for your patience in this.
user: Just lost me...
agent: We don't want you to go but understand your position. We've made sure your concerns have been heard.
user: Thank you
agent: You're welcome.

### Response:
Customer is complaining that is not letting them to upgrade to Sapphire Reserve because they only had the preferred card for 11 months. Agent updates that once the account is at least 12 months old, they would love to assist them with changing their card.