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PC Chase FF to CFU - what are the implications?

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SweetCreditObsession
Valued Contributor
‎09-08-2022 06:35 PM
‎09-08-2022 06:35 PM

PC Chase FF to CFU - what are the implications?

I've had a Chase FF for a couple of years now.

 

I was thinking of trying to PC it to a CFU for a couple of reasons - 1) I want another Visa so I can use it at Costco and 2) I meant to apply for the CFU in the first place (my error).

 

Has anyone been successful at doing this?

 

If the PC is approved, will it be reported as a new account and impact my AAoOA?

 

Thank you.



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




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nytokyobred79
Valued Contributor
‎09-08-2022 09:02 PM
‎09-08-2022 09:02 PM

Re: PC Chase FF to CFU - what are the implications?

Unless policy has changed, you should be able to PC your CFF to CFU. And upon doing so, your account details such as time of opening account, credit limit, etc. would transfer accordingly. Hence, it wouldn't have an impact on AAoA and negatively impact your credit scores. It would simply be a product change only. And with that product change, you get the benefits of CFU instead. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $216,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $70K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
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SweetCreditObsession
Valued Contributor
‎09-08-2022 09:35 PM
‎09-08-2022 09:35 PM

Re: PC Chase FF to CFU - what are the implications?

@Hoben02 - Thank you so much for your response. I will reach out to Chase in the morning. Have a great evening



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




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Hoben02
Frequent Contributor
‎09-09-2022 10:33 AM
‎09-09-2022 10:33 AM

Re: PC Chase FF to CFU - what are the implications?

Any chance you can just do a straight application becuz with the product change you forgo the SUB which I this case includes 5% ga for the rest of the year

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One
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Mdowning30
Established Contributor
‎09-13-2022 05:57 AM
‎09-13-2022 05:57 AM

Re: PC Chase FF to CFU - what are the implications?

I just did this too, the account age is suppose to remain the same but my card number did change.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
Starting Score: 512
Current Score: 700
Goal Score: 700+
Take the myFICO Fitness Challenge
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SweetCreditObsession
Valued Contributor
‎09-14-2022 10:29 PM
‎09-14-2022 10:29 PM

Re: PC Chase FF to CFU - what are the implications?

Ooo, I didn't know that. I've had the card for more than 12 months so I'm not certain that will apply to me but thanks for the insight. 😀



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




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SweetCreditObsession
Valued Contributor
‎09-14-2022 10:30 PM
‎09-14-2022 10:30 PM

Re: PC Chase FF to CFU - what are the implications?

@Mdowning30 - Thank you for sharing that data point.



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




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SPChaser
Valued Contributor
‎09-20-2022 07:45 AM
‎09-20-2022 07:45 AM

Re: PC Chase FF to CFU - what are the implications?

@Hoben02 wrote:

Any chance you can just do a straight application becuz with the product change you forgo the SUB which I this case includes 5% ga for the rest of the year

This alone would be reason to get this card! 

“Play the game, but don't believe in it“
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M_Smart007
Legendary Contributor
‎09-20-2022 10:43 AM
‎09-20-2022 10:43 AM

Re: PC Chase FF to CFU - what are the implications?

@SPChaser wrote:
@Hoben02 wrote:

Any chance you can just do a straight application becuz with the product change you forgo the SUB which I this case includes 5% ga for the rest of the year

This alone would be reason to get this card! 

or OP @SweetCreditObsession , could just do the PC to The CFU,

apply for " Affinity FCU Cash Rewards and get 7% on Gas for the rest of the year. "

" + 7% on Groceries "

and The $200 SUBSmiley Happy

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