Credit Cards Center Credit cards from our partners
New Contributor
Posts: 74
Registered: ‎05-25-2009

Product changes

Which banks/CCCs have you had a hard/easy time with getting a product change in the past?  I called Wells Fargo today to try to get them to change my Platinum Visa to a Cash Back Platinum card, and they wouldn't do it.  The CSR on the phone was very nice, but wouldn't tell me what sort of FICO or other requirements they might have for that card.   All she would say was "maybe you will qualify for it in the future".  I believe my Fico right now is somewhere arounr 730-740.  Hm...Oh well, I just got accepted for a Discover card anyway, which offers better rewards than 1%...Guess WF is getting sockdrawered!


Has anyone had an easy/hard time with a product change? From who?


- - - - - - - - - - - - - - - - - - - - - - - --
5/31/09 - 736 - EQ
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007

Re: Product changes

My Borders Visa from Chase will apparently be a Borders Visa until the universe dies. And it's obviously not the bank, because they're famous for working with people; they've confirmed repeatedly that the Borders is not eligible for swapping out. (Agreement with the retailer.)

Same on my despised Citi Sears MC. Their icy-cold clutch will be with me until I decide to close the card.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.