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Crate & Barrel Store Card to MC- New account?

dberryhill
Valued Contributor

Crate & Barrel Store Card to MC- New account?

DW recieved a "you're upgraded" offer from C&B for the MC after having a store card. Out of curiousity, would this show up as a new account for her or keep the age of the store card? I would assume it would keep the account age, but I've never really upgraded a store card (or held a store card for that matter that wasn't already a Visa/MC/Amex). Anyone with experience with this? 

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 1 of 5
4 REPLIES 4
FinStar
Moderator

Re: Crate & Barrel Store Card to MC- New account?

IIRC, this is managed by SYNCB. If she accepts the upgrade it will be coded as a new account and the store version of the account will be closed.

The closed account will preserve the history, but the new MC account will impact AAoA.
Message 2 of 5
dberryhill
Valued Contributor

Re: Crate & Barrel Store Card to MC- New account?


@FinStar wrote:
IIRC, this is managed by SYNCB. If she accepts the upgrade it will be coded as a new account and the store version of the account will be closed.

The closed account will preserve the history, but the new MC account will impact AAoA.

Yuck. That seems unnecssary for something we don't care all that much about, if true. Losing AAoA and AoYA is a much bigger loss for something that just seemed "nice." Rather she lose that from getting better cards that actually meet her spending. 

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 3 of 5
AverageJoesCredit
Mega Contributor

Re: Crate & Barrel Store Card to MC- New account?

Yup the unfortunate Sync side affectSmiley Sad
Message 4 of 5
Meanmchine
Super Contributor

Re: Crate & Barrel Store Card to MC- New account?

Ive had 2 Synchrony store cards promote to M/C. Ican assure you there is life after upgrade.  Synchrony is one of the more friendly banks for CLIs then lets say Barclays, Citi or Chase. If you do upgrade, call credit solutions and get a CLI before you upgrade.


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
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