So I have my Legacy Visa, which was the fist major credit card I got after my bankruptcy, so it is my second oldest CC account.
I needed that account until I started actively improving my credit situation, and I had forgotten (shame on me!) that there is a $75 annual fee which I just got hit with! They've been good to me with lowering my APR and regular CLI's, but that annual fee... Ouch!
In doing some looking around, I see that First National Bank has a name-branded credit card with no annual fee and a more reasonable APR.
Has anybody here ever tried doing a PC from one of the subprime cards (Legacy or Blaze) to their mainstream card? Or did they require a new application and hard pull?
Thanks!
I combined 2 Visa CC with FNBO. When I called the CS they could not do it, but when I called Credit Reallocations they combined the 2 cards in few min. I would say call Credit Reallocations and see if they can help you.
Good luck! 😎
@CYBERSAM wrote:I combined 2 Visa CC with FNBO. When I called the CS they could not do it, but when I called Credit Reallocations they combined the 2 cards in few min. I would say call Credit Reallocations and see if they can help you.
Good luck! 😎
This card is not an FNBO card, its a completely different bank.
Yeah, First National Bank and First National Bank of Omaha are two different banks. FNB is primarily a subprime lender, except for the one card I wouldn't mind PCing to.