Credit Cards

[colindidit]

When I get my current balance paid off which will be in less than 2 weeks i'd like to PC to the cash rewards i have just the normal bank of america card right now. Has anyone had any success in the past with this? and do they do a hard pull, because if that's so i'll need to wait.

[daveg38]

I PC'd down from Americard Siggy to Platinum Plus - was able to keep cash rewards.  My reason? Platinum Plus reports a credit line; signature cards, by nature, do not which is a utilization killer if carrying high balances.

[colindidit]

even though you were downgrading did they pull a CR?

[daveg38]

Nope.  Wasn't necessary because I wasn't attempting to improve cards - was downgrading.

[pdog661]

I upgraded from the plat to the siggy without them running my credit.

How high is your limit?  I had a 15K limit on my plat....... If you need to increase your limit to get above 5K it will be a hp.  If you are just PCing the card they should not need to run your credit.

My siggy showed on my credit report for 5 months, and then drop off Experian randomly.  I PC out of the siggy to make sure the limit reports.  In my opinion their are better cash reward cards on the mark that will be certain to report limits. 

[CreditSnob]

I went from a cash rewards world MC to a platinum privileges card. No HP.

[dodgeball]

I just did a product change no HP. was very quick and easy over the phone

[colindidit]

its only 1.5k but when i pay it off i'm gonna wait a few months and request a CLI and a PC...i want to earn rewards on my purchases...I need to get a co branded card over a 2k limit so i look more appealing to creditors...this low limit stuff is killing me.

[colindidit]

I'm currently on the chat with them to see if they can.

edit: they switched me to the 123 cash rewards card

[CreditSnob]

Nice! Congrats. Didn't know that they could PC over chat. And it looks like you got the rewards card you wanted .