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 07:27 AM
Nope. Wasn't necessary because I wasn't attempting to improve cards - was downgrading.
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
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