My options:
1. Keep my wamu card as is
2. Convert it to a chase home improvement card that earns 3 points per eligible dollar spent on home improvement and 1 point for everything else. Thing here is my Lowes card only gets used when they have their 0% offer going which is much more practicle than any other card offer (I think). Conversion can be done without a hard pull.
I really want the Freedom card but Chase says they won't convert wamu to that. I can apply though and it will be a hard pull. I have a fear of rejection...........
Anyone have the home improvement card? Anyone got an opinion on if I should do the convert or not?
