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PC Altered app spree plan

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ycm
Established Member

PC Altered app spree plan

Planned on closing my Citi Thank You Amex for some time. Hasn't been doing much for me. Going on a trip so wanted to add a hotel card to my wallet. Tried to pc from citi Amex to visa years before and was unsuccessful. Planned on taking a HP with another creditor to replace this card.

Called today as a last effort to save myself from closing the almost 5 year old 2800 CL account. Asked about PC to Hilton Reserve. Rep said account is eligible and should be no problem. Should have the card soon - account should be completely converted in 45 days. Credit was not pulled so I'm still in the garden. CL will transfer and it won't be NPSL - which is fine bc I have Amex charge products. APR will remain unchanged which is nice because its lower than the apr listed for the card on the site. Card has a balance that will be paid in full this week.

Sharing in hopes of it being helpful to others.
Amex Delta Gold | Amex BCE | BofA Travel Visa Sig | Discover IT | Fidelity Visa | REI Visa Sig
Message 1 of 5
4 REPLIES 4
boomhower
Valued Contributor

Re: PC Altered app spree plan

That worked out very well.  You get the card you need and were able to stay in the garden.  Good work. 

Message 2 of 5
Pilotdude
Established Contributor

Re: PC Altered app spree plan

Great job working the system!!  Congrats!!  Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 3 of 5
Epcot
Valued Contributor

Re: PC Altered app spree plan

I did the exact same conversion recently as well. Citi Amex to HHonors Reserve. Congrats on the PC! I had my card within 10 days. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 4 of 5
webhopper
Moderator Emeritus

Re: PC Altered app spree plan

Congrats Smiley Happy
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


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