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Chase home improvement card

Regular Contributor

Chase home improvement card

My options:

1. Keep my wamu card as is

2. Convert it to a chase home improvement card that earns 3 points per eligible dollar spent on home improvement and 1 point for everything else. Thing here is my Lowes card only gets used when they have their 0% offer going which is much more practicle than any other card offer (I think). Conversion can be done without a hard pull.

I really want the Freedom card but Chase says they won't convert wamu to that. I can apply though and it will be a hard pull. I have a fear of rejection...........

Anyone have the home improvement card? Anyone got an opinion on if I should do the convert or not?
FICO score tracker

3/19/08: TU-649, EQ-676, EX-656
5/7/08: TU-653, EQ-651, EX-706
1/7/09: TU-659, EQ-667, EX-681 (but now I have my house!)
3/25/09: TU-675, EQ-668
New goal: new car
8/5/09: New car goal met. Developing new goals....
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