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Freedom to CSP PC successful!!!!

Member

Re: Freedom to CSP PC successful!!!!

Thanks I'm so excited and can't wait for it to get here!!!
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 11 of 17
Valued Member

Re: Freedom to CSP PC successful!!!!

You gotta feel that metal! LOL.

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Message 12 of 17
Member

Re: Freedom to CSP PC successful!!!!

I'm sure the AU on my account will love the card as well. Is it bright blue and shiny as it appears on the website or is it a dull navy blue? I've seen pics of both.,.
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 13 of 17
Member

Re: Freedom to CSP PC successful!!!!

Is this going to hurt my credit score since the 16,000 credit line won't be showing up anymore since CSP is a Signature visa which is supposedly NPSL. Ughhhh wish I was told this during the PC. Having second thoughts now...
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 14 of 17
Super Contributor

Re: Freedom to CSP PC successful!!!!


kmkotas wrote:
Is this going to hurt my credit score since the 16,000 credit line won't be showing up anymore since CSP is a Signature visa which is supposedly NPSL. Ughhhh wish I was told this during the PC. Having second thoughts now...

Chase reports CL even for visa signature cards.

From what I know, BofA is the only odd ball that's still not reporting CLs for signature cards.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 15 of 17
Member

Re: Freedom to CSP PC successful!!!!

So it will still say $16,000 and not my highest balance? That just sounds like a big mess and I don't even want to deal with it. If it does have a negative impact could I downgrade back to the regular Freedom and apply for CSP later??
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 16 of 17
Super Contributor

Re: Freedom to CSP PC successful!!!!


kmkotas wrote:
So it will still say $16,000 and not my highest balance? That just sounds like a big mess and I don't even want to deal with it. If it does have a negative impact could I downgrade back to the regular Freedom and apply for CSP later??

it will reflect your CL, not your highest balance. it may sound confusing but it isn't haha. just regard it as a normal card that isn't NPSL.

I am not sure if you can keep doing product changes. Normally there's a "waiting" time before you can PC again.


There's no negatives as far as how the card works and its feature. The only negative is the 40k UR sign-up bonus that you don't get for doing a PC.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 17 of 17