Reply
Contributor
hardworkrebuilding
Posts: 78
Registered: ‎12-09-2012
0

Change Visa to Mastercard

I have no Mastercard, only Visa's, Amex, and Discover.  I've been gardening and find there is a constant temptation to app because I have a "legitimate" reason, I need a Mastercard. So, I decided I might protect myself from myself.  I called Chase up as I have 2 Visa's and a Visa Siggy through them.  I explained to the CSR (excellent service and attitude) my plight.  I told her I would like to make my Freedom a Mastercard but I didn't want it to show as a new account on my credit report.  She explained the account number would change, but it would not be a new tradeline and retain the same opened date.  She seemed sure of her knowledge and even corrected my when I referred to this as a PC (still same product, Freedom, just different network).  So I was just hoping someone could confirm this.  I don't want to take the hit for a  new account without actually getting an additional account.  Although, now I guess it would be too late.

FICO EQ 737 06/22/13 || FICO TU 753 (Discover pull 1/20/13)
MC: Chase Freedom 6K, Citi AA World 10.9K, Paypal Extras 10K
Visa/ Visa Signature: Slate 22.9K, Marriott Rewards Premier 10K
AMEX: BCE 10K, SPG 22.5K
Discover: IT 6K

Established Contributor
Cory
Posts: 671
Registered: ‎03-15-2007
0

Re: Change Visa to Mastercard

Yes, I can confirm that when you are changing from Freedom Visa, to Freedom MasterCard, the account number changes, but the open date remains the same. As the REP mentioned, just going from network to network. This didn't show as a new account on my credit reports, and didn't change anything with my score.

You'll be fine.

Happy New Year!

Cory

1. American Express Blue Cash Preferred~2. BankAmericard Cash Rewards World MasterCard~3. BankAmericard Travel Rewards Visa Signature ~4. Discover It~5. Citi Forward Visa Signature~6. CCCU MasterCard.
Contributor
hardworkrebuilding
Posts: 78
Registered: ‎12-09-2012
0

Re: Change Visa to Mastercard


Cory wrote:

Yes, I can confirm that when you are changing from Freedom Visa, to Freedom MasterCard, the account number changes, but the open date remains the same. As the REP mentioned, just going from network to network. This didn't show as a new account on my credit reports, and didn't change anything with my score.

You'll be fine.

Happy New Year!

Cory


Thanks, Cory.  Like I said, the rep seemed to know exactly what she was talking about.  You just seem to hear stories about CSR's not fully understanding some of  the requests they handle. I just needed some one to confirm this was handled as described for them. Thanks, again. And happy New Year to you, also.

FICO EQ 737 06/22/13 || FICO TU 753 (Discover pull 1/20/13)
MC: Chase Freedom 6K, Citi AA World 10.9K, Paypal Extras 10K
Visa/ Visa Signature: Slate 22.9K, Marriott Rewards Premier 10K
AMEX: BCE 10K, SPG 22.5K
Discover: IT 6K


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+