Credit Card Center Advertiser Disclosure†
04-02-2008 07:54 PM
04-02-2008 08:34 PM - edited 04-02-2008 08:37 PM
04-02-2008 09:12 PM
lurknomore wrote:Hi ash! There've been several threads on this. To answer your question about an inq, many posters have been able to do a product change without incurring an additional hard inq.One thing discussed recently was the possibility of needing a minimum CL of $5K to change from the plain platinum plus visa (aka emerging credit visa) to a BofA rewards card (I wonder if it has something to do with the fact that the card used to be secured). I've called a couple of times to confim this tidbit, but no CSR would tell me specifically. It seems to have some validity because I can't recall if any poster with the platinum plus visa has been able to do a product change to the Amex (or any other non-platinum plus card). At best I've heard of them getting the "world points" feature added.I would love to know if anyone has successfully managed a product change from the platinum plus visa (with a CL of less than $5K) to a regular rewards card. I've been shot down twice, and I need to know if I should persevere or if I should wait until my CL is increased to $5K and then try again.Anyone?In the meantime, ash, I think you should give it a try. You might also want to double-check and ask the CSR if there will be hard inq for the change. Good luck and keep us posted!
Message Edited by lurknomore on 04-02-2008 08:37 PM
04-02-2008 11:43 PM
04-03-2008 08:19 AM
04-03-2008 06:37 PM
04-03-2008 06:59 PM
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.