12-17-2012 12:09 PM
I applied for the Cash Rewards card on Friday and was approved for $500 however I'd rather accumulate points instead of cash back. I haven't gotten the card yet but am I able to call BOA and ask them to convert it over? Will it be another hp?
12-17-2012 12:43 PM - edited 12-17-2012 12:45 PM
Product change requests do not result in hard pulls.
12-17-2012 12:56 PM
I just got done talking to my credit union about this. I have a visa classic from them with a 2.5k CL. I had opened this up when I started improving my Fico's. Now my other credit cards CL dwarf this one.
A PC resulted in a soft pull from EX. I asked that since my other credit cards have a CL of 5k and above if it was not possible to increase my CL on this card to 5k. The CSR told me that this would involve a hard pull. I respectfully declined because I only have two inquiries on my EX report (Chase) one of which should fall off in February 2013.
BTW it took two inquiries to increase my Chase Freedom to a 5k CL- the first was denied.