05-21-2013 02:45 PM
05-21-2013 02:47 PM
You gotta feel that metal! LOL.
05-21-2013 02:52 PM
05-22-2013 03:47 AM
05-22-2013 03:48 AM
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.
05-22-2013 04:19 AM
05-22-2013 04:30 AM
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.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.