Advice for a strategy

[RobD3]

Do I need to wait 91/3 to PC? If I were to BT now at 1.99, would that transfer to the PC. How would the PC be regarded report and score wise?

[mikesonthemend]

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@RobD3 wrote:

Do I need to wait 91/3 to PC? If I were to BT now at 1.99, would that transfer to the PC. How would the PC be regarded report and score wise?

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Hopefully I will be corrected if wrong, but NCFU cards are in 3 categories. As long as you stay within the same category your interest rate will not change.

[Anonymous]

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@RobD3 wrote:

Do I need to wait 91/3 to PC? If I were to BT now at 1.99, would that transfer to the PC. How would the PC be regarded report and score wise?

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I wouldn't think PC would affect a BT because the 1.99% is available across cards but what you could also do is call and do the PC and then do the BT. 

PC is literally just the card number gets updated with the credit bureau. Same account, same length, no score impact. 

[RobD3]

Do I have to wait the 91/3?

[Anonymous]

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@RobD3 wrote:

Do I have to wait the 91/3?

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No you don't have to wait til 91/3 because it's not a new account or CLI. 

[RobD3]

What is your opinion on closing the recently acquired store cards, Valero, the Capital One, and the Credit One Visa and Mastercards? Overall do you think that will hurt my score any if at all?

[JNA1]

I really wish I was eligible for NFCU! 🙈😢

[Anonymous]

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@RobD3 wrote:

What is your opinion on closing the recently acquired store cards, Valero, the Capital One, and the Credit One Visa and Mastercards? Overall do you think that will hurt my score any if at all?

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If it has an annual fee and doesn't get used, get rid of it but store cards can make for nice padding since they can grow quite large so I would keep them. 

At minimum, I would keep any card for a year so you don't risk burning bridges with that lender although in the case if Credit One, douse that bridge with gasoline and send it to Hades IMO. 

You already took the inquiries and age of account hits for the new accounts, might as well keep them. 

[Girlzilla88]

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@Anonymous wrote:

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@RobD3 wrote:

What is your opinion on closing the recently acquired store cards, Valero, the Capital One, and the Credit One Visa and Mastercards? Overall do you think that will hurt my score any if at all?

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If it has an annual fee and doesn't get used, get rid of it but store cards can make for nice padding since they can grow quite large so I would keep them. 

At minimum, I would keep any card for a year so you don't risk burning bridges with that lender although in the case if Credit One, douse that bridge with gasoline and send it to Hades IMO. 

You already took the inquiries and age of account hits for the new accounts, might as well keep them. 

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I would agree with the year part as well as the Credit One LOLOLOL