Good Evening, I wanted to see if anyone else had any experience PC'ing from a CSP or CSR to a Chase Freedom and if it impacted your AAoA at all when you did it. Are you trade-lines still the same on your CR or was it considered a new account? I know some lender YYMV with this but wanted to get an idea from Chase perspective as I am thinking of using a cash back as my daily driver along with my Amex BCP. Another option is I have a long time PenFed card called the PenFed Promise normally used for balance transfers that I may possibly cancel but instead I was wondering if anyone had done a PC with PenFed for their cash back card and was that still reporting the same or reflected like a new account on their CR. Appreciate it the feedback ! Experian - 812 Transunion -817 Equifax - 826
The only thing that will change with a Chase PC is the rewards structure. Nothing will change with your card reporting to the CRAs.
I am not sure PenFed is currently doing product changes.
