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got the letter that i have the offer to go to the Mastercard.. But i'm wondering a few things. Does my limit stay the same? Am i able to call in and ask what my limit will be? Also, will this be a new account on my CR. I'd hate to turn it down but i'm on month 4 of 12 months of no new accounts or hard inquiries.
according to Synch it will show as an account transfer like a report of lost card and not a new account. i'll have to get further confirmation.
interesting. talked to a 2nd rep and this one said the same. wont report as new account..
I'm definitely interested to see how this plays out for you. I have a Walmart store card but have not been offered the option to upgrade.
well, after a little more reseasrch it appears u guys are correct. Thanks averageJoe for the heads up. Saw some older threads where members were hit with a new account. Had this card almost 9 years. So gonna decline so i can remain in the garden. Though this time last year i would have done cartwheels with that letter and accepted. Other than being idiots how in the heck could the CSRs at Synch not know this info. thank goodness for MyFico..The site helps in so many ways..
@Anonymous wrote:well, after a little more reseasrch it appears u guys are correct. Thanks averageJoe for the heads up. Saw some older threads where members were hit with a new account. Had this card almost 9 years. So gonna decline so i can remain in the garden. Though this time last year i would have done cartwheels with that letter and accepted. Other than being idiots how in the heck could the CSRs at Synch not know this info. thank goodness for MyFico..The site helps in so many ways..
Glad you were able to get an answer before you took the bait. AverageJoe is full of knowledge and always seems to know his stuff. :-) I love this board.