NFCU Product Change Account Aging Question

[Anonymous]

I searched the archives without much luck.

Anyone that has done PC on an NFCU card, does it close your old account and open a new one on your credit report?

I just asked about changing my cashRewards to a Platinum as the cashRewards have become useless to me with the USAA LimitLess in my pocket.

They told me that the account number would change and I would be issued a new card.

They could not confirm whether it would be a new account on my credit reports or not.

My experience has varied.

Back when USAA did PCs, it resulted in a new account, with with new aging.

BoA reaged me when my MNBA card became a BoA card with new account number, but not when my obsolete rewards card became a 321 rewards card

Capital One just changed me to a Quicksilver card, no agng issues.

Can anyone here speak from experience?

Thanks.

[Anonymous]

IIRC, they do remove the old account from your credit report -- but then they put it back, with same age and credit history so it doesn't really change anything. I got a CK notification that an account was removed -- then another one added -- and it was identical to the old card's history. Don't worry!

[UpperNwGuy]

About 18 months ago I did a product change with NFCU from nRewards to GO Rewards, and they let me keep the same account number along with all the history.  However, that was Visa to Visa.  I think you are going from Visa to MasterCard when you do a product change from cashRewards to Platinum.  Visa and Mastercard cannot use the same number because all Visas begin with 4 and MasterCards with 5.  Why do you want to make this change?  I would just keep the card you have.

[Glen_M]

The Platinum may still be a Visa.  I was expecting the MC because that's what the images all showed and some of the literature referred to, but when it showed up it wasn't.  Platinum Visa instead.

[UpperNwGuy]

The "products" page on NFCU's website says that the Platinum is available in either Visa or MasterCard.  The image shows a MasterCard.

[Anonymous]

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@UpperNwGuy wrote:

I think you are going from Visa to MasterCard when you do a product change from cashRewards to Platinum.  Visa and Mastercard cannot use the same number because all Visas begin with 4 and MasterCards with 5.  Why do you want to make this change?  I would just keep the card you have.

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@Anonymous wrote:

I just asked about changing my cashRewards to a Platinum as the cashRewards have become useless to me with the USAA LimitLess in my pocket.

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 You might keep the card, but as stated in the original post, the rewards structure is no longer attractive to me and as much as people like to say "if you are paying interest, you are doing it wrong" around the internet, there are times when paying interest makes financial sense