01-13-2013 07:11 AM
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.
01-13-2013 07:20 AM
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.
01-13-2013 07:24 AM
even though you were downgrading did they pull a CR?
01-13-2013 07:39 AM
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.
01-13-2013 07:43 AM
I just did a product change no HP. was very quick and easy over the phone
01-13-2013 07:44 AM
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.
01-13-2013 07:51 AM - edited 01-13-2013 08:06 AM
I'm currently on the chat with them to see if they can.
edit: they switched me to the 123 cash rewards card
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.