topic Re: How do you actually PC a CC? in Credit Cards

How do you actually PC a CC?

Sk323i — Fri, 30 Oct 2015 19:10:25 GMT

Is there a thread that contains information on how to PC various credit card?

I have a Credit One Bank Card that has a $99 annual fee --- i called a requested a PC -- but their offshore customer service spins me round and round -- and the best they were willing to offer was waiving the annual fee for 3 months.

I have a Citi American Advantage Platinum with a $95 annual fee --- how do I PC this card? it has only been open since March.

Thank you,

Steven

Re: How do you actually PC a CC?

Skye12329 — Fri, 30 Oct 2015 19:12:51 GMT

PC means product change. Some lenders have the ability to change the product to a different one. Some lenders also require a year to change.

Credit one, there is nothing to PC to.

As for Citi I think might need to be a year before changing? However you could always call and see if they can change it to a different product that you would want.

Re: How do you actually PC a CC?

CH-7-Mission-Accomplished — Fri, 30 Oct 2015 19:32:32 GMT

@Sk323i wrote:
Is there a thread that contains information on how to PC various credit card?

I have a Credit One Bank Card that has a $99 annual fee --- i called a requested a PC -- but their offshore customer service spins me round and round -- and the best they were willing to offer was waiving the annual fee for 3 months.

I have a Citi American Advantage Platinum with a $95 annual fee --- how do I PC this card? it has only been open since March.

Thank you,

Steven

The only thing you should PC credit one to is a "closed account."

Call Citi and ask if you can PC to the double cash card. It's a great card with no annual fee. If they say you are not eligible yet for a PC, ask them when you will be.

Open at least two more revolving cards and then kick that Credit One P.O.S. to the curb ASAP.

Re: How do you actually PC a CC?

Sk323i — Fri, 30 Oct 2015 22:39:21 GMT

Any recommendations on which Revolving credit cards to open?

I just got an Experian Report and score of 585 -- so I should wait a couple months to apply for anything right?

Re: How do you actually PC a CC?

CH-7-Mission-Accomplished — Fri, 30 Oct 2015 22:42:43 GMT

@Sk323i wrote:
Any recommendations on which Revolving credit cards to open?

I just got an Experian Report and score of 585 -- so I should wait a couple months to apply for anything right?

Try the Capital One prequalifier page. If it says you are prequalified for one of their cards, apply for it. If approved, immediately apply for the second card. Then if approved, closed credit one. Wait six months and go for Barclay. Along the way open one quality store card like Walmart, Lowes, Amazon.

Re: How do you actually PC a CC?

Anonymous — Fri, 30 Oct 2015 22:44:45 GMT

Citi is also pretty good with retention offers on the AA cards (except maybe Exec) and will often give some credit or waive the fee entirely (I had to make 5 purchases of any amount in 90 days or something and they would refund the fee). But the card is new (and your score low!) so YMMV.

Re: How do you actually PC a CC?

Anonymous — Fri, 30 Oct 2015 22:49:20 GMT

The Credit One PC made me giggle. I dunno. I am not that ashamed of mine. If they keep being nice to me I won't be closing mine next April when the AF hits. They have refunded me every penny in fees I have ever paid in interest and start up fees. They even bought me dinner when I tried to close the card. $35 credit. So funny! That more than covered my $9.99 credit limit increase fee I paid to go from 500 to 850!

Amex has to be 13 statements old, and you do it over the phone. And that is all I know. I would like to see some type of a nifty chart that lists each bank, if they PC or not, what account requirements are, and how to do it. Any takers?

Re: How do you actually PC a CC?

Sk323i — Fri, 30 Oct 2015 22:49:27 GMT

Safe to go for the Capital One Pre Qualify page -- even after getting a report in the last week ? Wouldn't that be too many hard inquiries in a short period of time?

Re: How do you actually PC a CC?

Anonymous — Fri, 30 Oct 2015 22:57:51 GMT

prequal sites do not hit you with a hard pull.

Re: How do you actually PC a CC?

Anonymous — Sat, 31 Oct 2015 00:17:29 GMT

Prequal sites are a soft pull, but beware. It must say "pre-approved" not "we recommend..." Or "based on your interests"