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PC from CFU to CFF

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Mdowning30
Established Contributor
‎09-07-2022 04:52 AM
‎09-07-2022 04:52 AM

PC from CFU to CFF

Yesterday i made the decision to product change my Chase Freedom Unlimited that i have since January to the Freedom Flex. In doing so, i want to use the 5% back on Gas before this quarter ends and now i have a Mastercard back in my wallet after i closed my first Capital One Secured.

Also means im "upgrading" from a standard Visa to a World Elite Mastercard.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
Starting Score: 512
Current Score: 700
Goal Score: 700+
Take the myFICO Fitness Challenge
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11 REPLIES 11
Hoben02
Frequent Contributor
‎09-07-2022 08:22 AM
‎09-07-2022 08:22 AM

Re: PC from CFU to CFF

Any reason you didn't just apply for that card to build the chase trifecta. Overall I find more usage on the cfu then the cf I've gone quarters with no spend on the freedom due to not having charges for any pick

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One
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ptatohed
Senior Contributor
‎09-07-2022 11:43 AM
‎09-07-2022 11:43 AM

Re: PC from CFU to CFF

I was going to say something similar.  That a new application should have been considered.  Not because I think the Freedom Unlimited is a great card (no need to look at 1.5% CB cards anymore with 2% CB the 'new low', IMHO) but for the $200 intro bonus and the 5% gas for a year.  I love my Freedom card.  This quarter is 5% gas and movies, perfect.  Smiley Happy    

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
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AndySoCal
Senior Contributor
‎09-07-2022 06:05 PM
‎09-07-2022 06:05 PM

Re: PC from CFU to CFF

@Hoben02  @ptatohed   You no new hard pull and no new account reported to the bureau. The history of the account will transfer to Flex card with date open as well.  I did a similiar thing when PC'ed Citi Double Cash to Custom Cash. 

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays
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Anonymous
Not applicable
‎09-08-2022 03:35 AM
‎09-08-2022 03:35 AM

Re: PC from CFU to CFF

@AndySoCal wrote:

@Hoben02  @ptatohed   You no new hard pull and no new account reported to the bureau. The history of the account will transfer to Flex card with date open as well.  I did a similiar thing when PC'ed Citi Double Cash to Custom Cash. 

Right, that's always the tradeoff:  the new account penalty (HP if any plus AAoA hit) vs SUB, utility of keeping the  original card, and any new account advantage (such as increased CL).

 

It can obviously go either way, depending on profile and goals, e.g. if you need to be under say 5/24 soon, PC is the way to go

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Mdowning30
Established Contributor
‎09-08-2022 04:38 AM
‎09-08-2022 04:38 AM

Re: PC from CFU to CFF

Exactly the reasoning why i PC'd. I dont want any more uneccessary hits to my scores, plus im already 5/24. I thought this will be a nice upgrade in terms of benefits. I get 1.5% on everything with my Amex Charles Schwab Investor card anyway.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
Starting Score: 512
Current Score: 700
Goal Score: 700+
Take the myFICO Fitness Challenge
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elixerin
Established Contributor
‎09-08-2022 01:04 PM
‎09-08-2022 01:04 PM

Re: PC from CFU to CFF

didnt think making a new thread would warrant the question but to PCed cards do intros just get wasted on those say you close and apply for the same card in the future or even pc from before applying again

Message 7 of 12
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OmarGB9
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎09-08-2022 09:32 PM
‎09-08-2022 09:32 PM

Re: PC from CFU to CFF

@elixerin wrote:

didnt think making a new thread would warrant the question but to PCed cards do intros just get wasted on those say you close and apply for the same card in the future or even pc from before applying again

Sorry your post is hard to follow. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


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elixerin
Established Contributor
‎09-08-2022 09:46 PM
‎09-08-2022 09:46 PM

Re: PC from CFU to CFF

@OmarGB9 wrote:
@elixerin wrote:

didnt think making a new thread would warrant the question but to PCed cards do intros just get wasted on those say you close and apply for the same card in the future or even pc from before applying again

Sorry your post is hard to follow. 

sorry, i was just wondering that for the cards that you PC to, do you just waste their intros? say in the future you pc to another before applying for the card you PCed from

 

i just thought once you have the card you are no longer able to receive intro bonuses for the same card again

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Mdowning30
Established Contributor
‎09-09-2022 06:42 AM
‎09-09-2022 06:42 AM

Re: PC from CFU to CFF

@elixerin Yes when you PC you dont get another bonus for the other card.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
Starting Score: 512
Current Score: 700
Goal Score: 700+
Take the myFICO Fitness Challenge
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