Credit Card Center Advertiser Disclosure†
08-07-2008 10:32 AM
08-07-2008 12:47 PM
08-07-2008 12:52 PM
I got a letter for a product change the CSR told me was instantly approved over the phone. the letter just stated it was approved, but still, a little disconcerting, because it was a thin envelope with no card in it...
08-07-2008 01:00 PM
I generally recommend against combining cards. Why turn two good accounts reporting paid on time into only one?
08-07-2008 02:45 PM - edited 08-07-2008 02:47 PM
08-07-2008 02:51 PM
sankofa wrote:Cheech,Could you please let me know what the letter says once you get it? I would like to combine my Bank of America Amex Card and Visa Worldpoints cards also. My BOA Amex card's promotions ended back in May, 2008 and that card is now 7.90% for purchases and balance transfers. My BOA Worldpoints Visa is 1.99% until December, 2008. After Dec. '08, my APR will be 9.99% for purchases and balance transfers on that Visa card.I was advised by one of the CRs when I received the Visa Worldpoints card to combine the two of them when the 1.99% promotion ends in December, 2008 and gave me a number to call when that occurs.History-wise, the Amex card I have had since 2005 and the Visa since this year, 2008, so I would want to keep the Amex card as my main card. BOA opened that card with a $9,200 CL and has raised it to $12,100, so don't be surprised if your next statement shows a CL increase. Plus, my Visa card has a $3,200 CL. I would prefer having the $15,300 CL with combining the two rather than separate cards. Just my opinion.Sandy
Message Edited by sankofa on 08-07-2008 02:47 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.