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Downgrading CSP

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mongstradamus
Super Contributor

Re: Downgrading CSP


@red259 wrote:

One additional note. I had asked if there was any retention offer and she told me they don't have retention offers for CSP, which is odd because I have seen some people claiming to have gotten them but I have not seen reports of anyone getting them recently. 


Thats some good info i am probably going to downgrade to CS if they allow me and use my Ink Plus as my UR card for transfer to partners. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 31 of 35
red259
Super Contributor

Re: Downgrading CSP


@kdm31091 wrote:

Yeah, it seems a bit weird since if that's the case there's no difference between the two (CS/CSP), other than an AF


Well the CS has a FTF and I would not get the 7% dividend for next year. If I did not have an ink bold card I would not be able to transfer to travel partners. So there is some loss, but the loses are mitigated by my having the ink card. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 32 of 35
red259
Super Contributor

Re: Downgrading CSP


@mongstradamus wrote:

@red259 wrote:

One additional note. I had asked if there was any retention offer and she told me they don't have retention offers for CSP, which is odd because I have seen some people claiming to have gotten them but I have not seen reports of anyone getting them recently. 


Thats some good info i am probably going to downgrade to CS if they allow me and use my Ink Plus as my UR card for transfer to partners. 


Yea, if the AF posts (which it did in my case) it will take 1-2 statements for it to be credited back. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 33 of 35
mongstradamus
Super Contributor

Re: Downgrading CSP


@red259 wrote:

@mongstradamus wrote:

@red259 wrote:

One additional note. I had asked if there was any retention offer and she told me they don't have retention offers for CSP, which is odd because I have seen some people claiming to have gotten them but I have not seen reports of anyone getting them recently. 


Thats some good info i am probably going to downgrade to CS if they allow me and use my Ink Plus as my UR card for transfer to partners. 


Yea, if the AF posts (which it did in my case) it will take 1-2 statements for it to be credited back. 


AF isnt supposed to hit till may but i am  thinking the smart thing to do is downgrade as soon as my dividend posts?



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 34 of 35
red259
Super Contributor

Re: Downgrading CSP


@mongstradamus wrote:

@red259 wrote:

@mongstradamus wrote:

@red259 wrote:

One additional note. I had asked if there was any retention offer and she told me they don't have retention offers for CSP, which is odd because I have seen some people claiming to have gotten them but I have not seen reports of anyone getting them recently. 


Thats some good info i am probably going to downgrade to CS if they allow me and use my Ink Plus as my UR card for transfer to partners. 


Yea, if the AF posts (which it did in my case) it will take 1-2 statements for it to be credited back. 


AF isnt supposed to hit till may but i am  thinking the smart thing to do is downgrade as soon as my dividend posts?


Ye, I kinda screwed up on mine. I downgraded right after my payment due date but before my statement cut with my dividend points. I am hoping I still get them. The thing that shows how many poiints you are supposed to get says I will get the dividend points when the next statement cuts, so hopefully it is locked in and they won't go back and yank it out now.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 35 of 35
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