topic Re: NFCU PC to Different Card in Credit Cards

NFCU PC to Different Card

Anonymous — Thu, 09 Apr 2020 21:33:59 GMT

I'm curious if when you PC your card if you lose the promo you got when applied for the card. For example....I got my Platinum January 5th and I am thinking about changing it to a Cash Rewards. Would I lose the promo 1.99% for the first year?

Re: NFCU PC to Different Card

Girlzilla88 — Thu, 09 Apr 2020 21:35:58 GMT

Oooooo very interesting question

Re: NFCU PC to Different Card

Anonymous — Thu, 09 Apr 2020 22:09:33 GMT

I may have to call and find out lol

Re: NFCU PC to Different Card

Anonymous — Thu, 09 Apr 2020 22:12:31 GMT

This isn't really something I would leave to chance. Navy CSRs give wrong info all the time and if you lose your promo APR, I doubt they will be able to reinstate it.

I would just decide what's more important to you and go from there. If you decide the possibility of losing your promo APR is worth the potential rewards, go for it.

Keep in mind that PCs can sometimes result in increased regular APRs as well. When I PC'd my cashRewards to More Rewards, my APR got hiked from 11.4% to 17.24% and you can't ask for a reduction for a year.

Re: NFCU PC to Different Card

Anonymous — Thu, 09 Apr 2020 22:31:36 GMT

Hmmm good to know. Maybe I will just keep it for the year and change it after.

Re: NFCU PC to Different Card

Mv350 — Thu, 09 Apr 2020 22:48:05 GMT

Why not just apply for a 2nd card? Then you're not losing anything.

Re: NFCU PC to Different Card

Anonymous — Thu, 09 Apr 2020 22:52:16 GMT

I already have 3 lol

Re: NFCU PC to Different Card

AverageJoesCredit — Thu, 09 Apr 2020 22:55:08 GMT

@Anonymous wrote:
I already have 3 lol

What, no 4 M8?

Re: NFCU PC to Different Card

mrfufoppss — Fri, 10 Apr 2020 00:09:18 GMT

yes you will loose any promo with a pc i lost my SUB and Reward points 15000 when i switched from more rewards to the flagship but they did give me one yr No apr on my Purchases on my Flagship which Did Carry over from the More Rewards a supervisor Had to Jump thru Hoops to Make that Happen and He did

Re: NFCU PC to Different Card

Citylights18 — Fri, 10 Apr 2020 00:14:29 GMT

I've called before to try to PC NFCU Flagship to something else and you are right you give up promotion offers when you do.

Citi however seems to carry over the promotions and even add to the months on them.

Re: NFCU PC to Different Card

Matt9543 — Mon, 13 Apr 2020 14:30:14 GMT

@Citylights18 wrote:
I've called before to try to PC NFCU Flagship to something else and you are right you give up promotion offers when you do.

Citi however seems to carry over the promotions and even add to the months on them.

In my case I had already received my bonus point from my SUB, but after product changing my card I kept my intro APR.

Re: NFCU PC to Different Card

UpperNwGuy — Mon, 13 Apr 2020 20:17:14 GMT

@Anonymous wrote:
This isn't really something I would leave to chance. Navy CSRs give wrong info all the time and if you lose your promo APR, I doubt they will be able to reinstate it.

I would just decide what's more important to you and go from there. If you decide the possibility of losing your promo APR is worth the potential rewards, go for it.

Keep in mind that PCs can sometimes result in increased regular APRs as well. When I PC'd my cashRewards to More Rewards, my APR got hiked from 11.4% to 17.24% and you can't ask for a reduction for a year.

When you PC’d cashRewards to More Rewards, did they let you keep your account history? Does More Rewards show up on your credit report as a new card or wirh the opening date of your former cashRewards? (I realize that the card number has to change because of the switch to the Amex payment network.)

Re: NFCU PC to Different Card

Anonymous — Mon, 13 Apr 2020 20:44:18 GMT

@UpperNwGuy wrote:
@Anonymous wrote:
This isn't really something I would leave to chance. Navy CSRs give wrong info all the time and if you lose your promo APR, I doubt they will be able to reinstate it.

I would just decide what's more important to you and go from there. If you decide the possibility of losing your promo APR is worth the potential rewards, go for it.

Keep in mind that PCs can sometimes result in increased regular APRs as well. When I PC'd my cashRewards to More Rewards, my APR got hiked from 11.4% to 17.24% and you can't ask for a reduction for a year.
When you PC’d cashRewards to More Rewards, did they let you keep your account history? Does More Rewards show up on your credit report as a new card or wirh the opening date of your former cashRewards? (I realize that the card number has to change because of the switch to the Amex payment network.)

Amazingly they just updated the account number instead of starting a new tradeline. Same for when I PC'd it back to cashRewards.

Re: NFCU PC to Different Card

UpperNwGuy — Wed, 15 Apr 2020 21:15:57 GMT

@Anonymous wrote:
@UpperNwGuy wrote:
@Anonymous wrote:
This isn't really something I would leave to chance. Navy CSRs give wrong info all the time and if you lose your promo APR, I doubt they will be able to reinstate it.

I would just decide what's more important to you and go from there. If you decide the possibility of losing your promo APR is worth the potential rewards, go for it.

Keep in mind that PCs can sometimes result in increased regular APRs as well. When I PC'd my cashRewards to More Rewards, my APR got hiked from 11.4% to 17.24% and you can't ask for a reduction for a year.
When you PC’d cashRewards to More Rewards, did they let you keep your account history? Does More Rewards show up on your credit report as a new card or wirh the opening date of your former cashRewards? (I realize that the card number has to change because of the switch to the Amex payment network.)
Amazingly they just updated the account number instead of starting a new tradeline. Same for when I PC'd it back to cashRewards.

That's exactly the answer I was hoping for. After I get the SUB for my new Flagship, I will ask them to PC either my GO Rewards or my cashRewards to a More Rewards card.