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I have accumulated several cards that had fee waived for the first year and I don' t want to renew them all. Because they are spread out among several companies, I would like to get some type of no fee card to keep the credit line but don't want a hard pull.
The companies I would be looking to do this with are U.S. Bank, Chase, Barclays,and Capitol One. Would the process to get the desired results be the same at each institution? Is just a call to the number on the back of the card with a request to move the credit line to a no fee card. Should I request a particular card?
I don't need any of the cards being replaced to use but do want to keep the credit lines.
@Anonymous wrote:I have accumulated several cards that had fee waived for the first year and I don' t want to renew them all. Because they are spread out among several companies, I would like to get some type of no fee card to keep the credit line but don't want a hard pull.
The companies I would be looking to do this with are U.S. Bank, Chase, Barclays,and Capitol One. Would the process to get the desired results be the same at each institution? Is just a call to the number on the back of the card with a request to move the credit line to a no fee card. Should I request a particular card?
I don't need any of the cards being replaced to use but do want to keep the credit lines.
Your best option would be to call the CCCs and see if you can PC to another product with no AF. I've only direclty had experience doing this with Cap One. I was able to PC my Platinum to a QS1 and had my AF waived. The following year, I PC'd the QS1 to a QS with no AF.
@Anonymous wrote:I have accumulated several cards that had fee waived for the first year and I don' t want to renew them all. Because they are spread out among several companies, I would like to get some type of no fee card to keep the credit line but don't want a hard pull.
The companies I would be looking to do this with are U.S. Bank, Chase, Barclays,and Capitol One. Would the process to get the desired results be the same at each institution? Is just a call to the number on the back of the card with a request to move the credit line to a no fee card. Should I request a particular card?
I don't need any of the cards being replaced to use but do want to keep the credit lines.
Tread lightly. Especially Chase. Lately, they have been eyeing Churn and Burners very close.
With Cap One you can just use the online chat service on their website, no need to call in. Open the online chat and ask if your card can be upgraded. I had the Cap One platinum for about 7 months and today asked them to upgrade to the quicksilver, making sure there was no AF.