Reply
Valued Contributor
Posts: 7,300
Registered: ‎10-21-2012
0

Re: American Eagle Visa


WallyxD wrote:

Rackham94 wrote:

Is there way to call to PC to Visa with a SP or do you HAVE to have that message pop up when you login to Pay Your Bill through the store card?


When I called them to see if they HP'd, the csr wasn't too friendly, and said of course, because it was like you filled out a different app, then proceeded to rush me off the phone, for whatever reason. So based on what she told me, I would say no, I don't think it's possible to PC with a SP.


Correct.  It appears that your credit profile improved (score/history, etc.) since you obtained the store card and qualified for their co-branded version.  Hence, it is likely you will have the two accounts (store and Visa) and you can decide whether to keep both open or close the store version.  Unfortunately, the limits cannot be combined.  Additionally, with an upgraded promotion, the store version is automatically closed and any existing balance (if applicable) is transferred to the co-branded account.
Established Contributor
Posts: 517
Registered: ‎04-01-2013
0

Re: American Eagle Visa

Oh okay so when if I want to change it to a Visa I just app for it and it would auto close my Store Card

Valued Contributor
Posts: 7,300
Registered: ‎10-21-2012
0

Re: American Eagle Visa


Rackham94 wrote:

Oh okay so when if I want to change it to a Visa I just app for it and it would auto close my Store Card


If you apply and qualify, you will be approved for the co-branded version.  Otherwise, it's been known individuals have been approved for another store version.  The credit tier criteria qualification for the co-branded version is higher and depends on the product (i.e. AEO vs GAP etc).  The store card will not be automatically closed.

Frequent Contributor
Posts: 273
Registered: ‎10-02-2012
0

Re: American Eagle Visa


FinStar wrote:

WallyxD wrote:

Rackham94 wrote:

Is there way to call to PC to Visa with a SP or do you HAVE to have that message pop up when you login to Pay Your Bill through the store card?


When I called them to see if they HP'd, the csr wasn't too friendly, and said of course, because it was like you filled out a different app, then proceeded to rush me off the phone, for whatever reason. So based on what she told me, I would say no, I don't think it's possible to PC with a SP.


Correct.  It appears that your credit profile improved (score/history, etc.) since you obtained the store card and qualified for their co-branded version.  Hence, it is likely you will have the two accounts (store and Visa) and you can decide whether to keep both open or close the store version.  Unfortunately, the limits cannot be combined.  Additionally, with an upgraded promotion, the store version is automatically closed and any existing balance (if applicable) is transferred to the co-branded account.

Thank you for the info. Again, I'm positive the associate didn't tell me everything I needed to know when I got approved, so I'll call customer service one last time, just so that I have a better grip on everything.

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.