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Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
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When you do a PC do you end up with a completely new acct on CR?

So, I switched my crap BofA gold card to a Worldpoints card. Haven't received it yet, but am curious as to how your accounts report when you do a PC. Does it show an entire different TL with the history from the old one? OR does it just convert the account already showing on your reports.
 
I lost my BofA card about a year ago. When they sent me a new card, it created a new account on my CR. So even though one is closed, I have 2 BofA cards on my reports.  Is this affecting my average age of accounts? I assume that it would...
Frequent Contributor
Scout65
Posts: 351
Registered: ‎12-09-2007
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Re: When you do a PC do you end up with a completely new acct on CR?

When I did my product change from the BoA Platinum Plus to the BankAmericard I kept the same tradeline.  All three bureaus just updated with the new CL and kept all of the account history. 
FICOs as of 09/2009 - TU 813, EQ 811, last known EX 797
FICOs as of 08/2009 - TU 791, EQ 809, last known EX 797
FICOs as of 07/2009 - TU 806, EQ 809, last known EX 797
Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
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Re: When you do a PC do you end up with a completely new acct on CR?

Thanks for the response!  Does it make a difference if I am going from a visa to a m/c? I swear she said because of that I was getting a new account number.  Would that have an impact?
Frequent Contributor
Scout65
Posts: 351
Registered: ‎12-09-2007
0

Re: When you do a PC do you end up with a completely new acct on CR?

I don't think so.  I also got a new acct number (but mine was a visa to a visa swap).
 
Maybe someone else knows for certain.
FICOs as of 09/2009 - TU 813, EQ 811, last known EX 797
FICOs as of 08/2009 - TU 791, EQ 809, last known EX 797
FICOs as of 07/2009 - TU 806, EQ 809, last known EX 797
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
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Re: When you do a PC do you end up with a completely new acct on CR?



UpUpUp wrote:
Thanks for the response!  Does it make a difference if I am going from a visa to a m/c? I swear she said because of that I was getting a new account number.  Would that have an impact?



Yes, the account number on the card will change when converting from a Visa to a MC. Visa cards begin the number 4, while MCs begin with 5. Even with this happening, the account number reporting to the CRA will (should) remain the same.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
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Re: When you do a PC do you end up with a completely new acct on CR?



fused wrote:


UpUpUp wrote:
Thanks for the response!  Does it make a difference if I am going from a visa to a m/c? I swear she said because of that I was getting a new account number.  Would that have an impact?



Yes, the account number on the card will change when converting from a Visa to a MC. Visa cards begin the number 4, while MCs begin with 5. Even with this happening, the account number reporting to the CRA will (should) remain the same.



Thanks! 
 
So why do you suppose that when I lost my visa and they sent me another, I ended up with an entirely different TL on my reports? 
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: When you do a PC do you end up with a completely new acct on CR?

That is normal/not unusual when you report a lost card- 

UpUpUp wrote:


fused wrote:


UpUpUp wrote:
Thanks for the response!  Does it make a difference if I am going from a visa to a m/c? I swear she said because of that I was getting a new account number.  Would that have an impact?



Yes, the account number on the card will change when converting from a Visa to a MC. Visa cards begin the number 4, while MCs begin with 5. Even with this happening, the account number reporting to the CRA will (should) remain the same.



Thanks! 
 
So why do you suppose that when I lost my visa and they sent me another, I ended up with an entirely different TL on my reports? 



Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
0

Re: When you do a PC do you end up with a completely new acct on CR?

Oh okay. Maybe a security precaution?
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: When you do a PC do you end up with a completely new acct on CR?

The CCC would have to issue a card with a new number.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
0

Re: When you do a PC do you end up with a completely new acct on CR?



fused wrote:
The CCC would have to issue a card with a new number.



Well, I understand that part of it. I just don't understand why they report it as a completely sep. tradeline on my credit reports. That's why I was asking if when I do a product change and they issue me a new card number if it's going to report as yet another TL. So basically, when I've only had one BofA credit card this entire time, will it now look as though I had 3?  (Right now it looks like i've had 2, even though one was just a replacement due to the lost card)

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