@azguy13 wrote:
@Anonymous wrote:
@azguy13 wrote:
@Anonymous wrote:
@azguy13 wrote:
I could be wrong, but I think when you change your card from a Visa to MC or vice versa, they open a new account for you. If this happens, it will close your current account on your CR and then start a new one. Your AAoA will be affected if this happens.
I have never heard of a PC from visa to mastercard or vice versa. I have always been told I must app for the new card instead.
Nope, you're wrong. I PCed my CSP Visa to a Freedom MC and kept the same history on my credit report, no AAoA effect.
Then I am glad I'm wrong. I could have sworn I recently read about how someone couldn't PC a Visa to Mastercard and keep the same account. Oh well, I can't win them all. Thanks for the clarification though.
They give you new account numbers of course, but you keep the history on your credit report. Plus, Chase has some kind of internal mechanism for determining what you're eligible to transfer to.
I do really like Chase. I have been banking with them for about 7 years but I am seriously considering changing banks completely to NFCU. I have only been a member for a few days but I have called quite a few times and they have been more than helpful. I have never had better customer service (I haven't had Discover so I can't argue NFCU vs Discover).
I think Chase has the best customer service among the mega banks, followed somewhat closely by Wells Fargo, then a distant third is Citi, followed by BofA in last. I'm sure a lot of CUs and regional banks have even better service, and that old school personal touch, but I don't really see the value. What would you have to call a bank or credit union for anyway?
