topic Re: NFCU PC question in Credit Cards

NFCU PC question

Kennie02 — Tue, 23 Sep 2014 16:23:46 GMT

I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!

Re: NFCU PC question

1GaDawg85 — Tue, 23 Sep 2014 16:25:44 GMT

@Kennie02 wrote:
I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!

You won't lose that history

Re: NFCU PC question

BootStraps — Tue, 23 Sep 2014 16:37:57 GMT

I just converted my nrewards to a Flagship. I asked that question directly and CS told me that it will NOT be a new account.

I imagine the same holds for n to cash...

Re: NFCU PC question

js0319 — Tue, 23 Sep 2014 19:07:05 GMT

I PC'd about 6 weeks ago to the Flagship from the nRewards, and while my APR did go up due to the better rewards structure, the tradeline just looks like I have had the Flagship the whole time. I've had NFCU since October of last year.

Re: NFCU PC question

Kennie02 — Wed, 24 Sep 2014 04:15:23 GMT

Thanks for all the info! I certainly don't want to lose any of my history. My AAoA wouldn't be able to handle it.

Re: NFCU PC question

joedtx — Wed, 24 Sep 2014 06:45:35 GMT

@Kennie02 wrote:
I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!

Have you considered applying for the cashRewards instead of a PC, it's possible you'll get a better interest rate based on your updated score and if want to make this your prime card then ask to transfer a certain amount from your nRewards card to your new cashRewards? Maybe CA will chime in,

Re: NFCU PC question

1GaDawg85 — Wed, 24 Sep 2014 14:40:28 GMT

You can apply for a second card and ask them to reallocate some of the CL on your 1st card to open the new one

Re: NFCU PC question

Kennie02 — Wed, 24 Sep 2014 18:16:37 GMT

@joedtx wrote:
@Kennie02 wrote:
I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!
Have you considered applying for the cashRewards instead of a PC, it's possible you'll get a better interest rate based on your updated score and if want to make this your prime card then ask to transfer a certain amount from your nRewards card to your new cashRewards? Maybe CA will chime in,

I don't need any more new cards. I just opened a Discover IT and Chase Amazon. I have too many inquiries as it is. I rather just PC this to a card I wouldn't mind using.