Last week I pc'd my no annual fee cap1 plat mc to a qs1. Now today I get an email from cap1 letting me know that my 7 year old hsbc discover platinum rewards card is being converted to a capital one platinum MasterCard. Umm what? My hsbc card only has a limit of $750. It is used once a year to keep it from closing. It is a ridiculous card with a toy limit and it's ugly. But you know what?... I love that card because they were the only people to offer me credit when my score was in the toilet and I still appreciate them for that. I keep that card separate from all of my other sock drawered cards because it's special to me. Today my score range 760-780 thanks to them.
now my question is, because they told me I would be getting a new account number will my AAoA be lowered? I have had this card 7 years, never late. 4 years cap1 and 2 years CSP, BCP, Disc IT and a few more store cards. Are there any positives with this situation or should I be upset? The only plus I can think of is that I can now ask for a cli.
