Re: NFCU PC question

Kennie02 · ‎09-23-2014

I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!

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1GaDawg85 · ‎09-23-2014

@Kennie02 wrote:
I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!

You won't lose that history

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

BootStraps · ‎09-23-2014

I just converted my nrewards to a Flagship. I asked that question directly and CS told me that it will NOT be a new account.

I imagine the same holds for n to cash...

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js0319 · ‎09-23-2014

I PC'd about 6 weeks ago to the Flagship from the nRewards, and while my APR did go up due to the better rewards structure, the tradeline just looks like I have had the Flagship the whole time. I've had NFCU since October of last year.

AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

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Kennie02 · ‎09-23-2014

Thanks for all the info! I certainly don't want to lose any of my history. My AAoA wouldn't be able to handle it.

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joedtx · ‎09-23-2014

@Kennie02 wrote:
I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!

Have you considered applying for the cashRewards instead of a PC, it's possible you'll get a better interest rate based on your updated score and if want to make this your prime card then ask to transfer a certain amount from your nRewards card to your new cashRewards? Maybe CA will chime in,

1GaDawg85 · ‎09-24-2014

You can apply for a second card and ask them to reallocate some of the CL on your 1st card to open the new one

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Kennie02 · ‎09-24-2014

@joedtx wrote:
@Kennie02 wrote:
I sent a SM to NFCU about a PC from nRewards to cashRewards. The response said I would get a new card number and my APR would increase from 15.99 to 17.99. Do you think this will result in a new trade line?? Will I lose the one year of history on my current card? It was a secured that just graduated. Thanks!
Have you considered applying for the cashRewards instead of a PC, it's possible you'll get a better interest rate based on your updated score and if want to make this your prime card then ask to transfer a certain amount from your nRewards card to your new cashRewards? Maybe CA will chime in,

I don't need any more new cards. I just opened a Discover IT and Chase Amazon. I have too many inquiries as it is. I rather just PC this to a card I wouldn't mind using.

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NFCU PC question

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NFCU PC question