CLI before PCing or PCing then requesting CLI?

[Anonymous]

I think I should CLI then PC, but wanted to get some opinions on which direction to go? Thanks for any feedback.

[Anonymous]

You may get better (and more) feedback if:

(a)  You describe the issuer, the card you have now and the card who hope to PC it too.

(b)  You get this thread moved to the Credit Card forum

If you'd like me to ask a mod to move it to the CC forum, let me know.

[Anonymous]

Yes, please request to have this thread moved. The issuer of the card is NFCU. The current card is the Cash Rewards. The card I hope to PC it too is their AMEX card. I’ve had the card since June of this year and haven’t requested a CLI yet.

[Anonymous]

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@Anonymous wrote:
Yes, please request to have this thread moved. The issuer of the card is NFCU. The current card is the Cash Rewards. The card I hope to PC it too is their AMEX card. I’ve had the card since June of this year and haven’t requested a CLI yet.

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NFCU is easy like Sunday morning. Just follow their normal CLI standards (91 days and three statements if new, and 6 months in between CLIs). If I were you, I would wait to request the CLI until the January account review (AR) has been done for a better chance of a SP CLI. You should be fine to request the PC at any time. I believe APR decreases (if you don't already have the lowest APR) can be done at 1 year. 

[Anonymous]

I would CLI the CashRewards and additionally app for the Amex at the same time. Easy Peasy

[Anonymous]

Thanks for all the feedback. Was definetely thinking of doing the changes in January, so now I’ll wait till end of January.

[UncleB]

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@Anonymous wrote:
Yes, please request to have this thread moved. The issuer of the card is NFCU. The current card is the Cash Rewards. The card I hope to PC it too is their AMEX card. I’ve had the card since June of this year and haven’t requested a CLI yet.

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Just a note that unless something has recently changed (which is possible) NFCU will PC any of their cards to another, with the exception of their Amex - you can't PC to or from it.

It never hurts to ask, though... if they are now allowing it be sure to come back and let us know! 

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:
Yes, please request to have this thread moved. The issuer of the card is NFCU. The current card is the Cash Rewards. The card I hope to PC it too is their AMEX card. I’ve had the card since June of this year and haven’t requested a CLI yet.

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Just a note that unless something has recently changed (which is possible) NFCU will PC any of their cards to another, with the exception of their Amex - you can't PC to or from it.

It never hurts to ask, though... if they are now allowing it be sure to come back and let us know! 

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Aww that would seriously suck lol, but I hope I get lucky when I make the request. I"ll keep everyone posted.