@MachoHombre wrote:
@SpaceCityCCuser wrote:They will probably have to issue you a new card number, switching from Visa to MC, so keep that in mind. Might loose your history. [snip]
Ah, that might be a good point. So what negatives are in play if I have to get a new card number? Does the change from Visa to MC mean a new account number -and if so does this mean I lose history and perhaps affects CRA/credit score. hmmm..... Not worth a new account on my credit report.
**Any wisdom appreciated.
I don't think you'd lose account history, even if they close the TL/open a new one because of the network switch. Usually they just transfer over history. The account number will for sure change since they're completely different BINs.
@MachoHombre wrote:
@SpaceCityCCuser wrote:They will probably have to issue you a new card number, switching from Visa to MC, so keep that in mind. Might loose your history. [snip]
Ah, that might be a good point. So what negatives are in play if I have to get a new card number? Does the change from Visa to MC mean a new account number -and if so does this mean I lose history and perhaps affects CRA/credit score. hmmm..... Not worth a new account on my credit report.
**Any wisdom appreciated.
I PC'd a Slate (Visa) to a Freedom Flex (MC). The card number changed but all other account history carried over. No new account on credit report.
@TimFlorida wrote:
@MachoHombre wrote:
@SpaceCityCCuser wrote:They will probably have to issue you a new card number, switching from Visa to MC, so keep that in mind. Might loose your history. [snip]
Ah, that might be a good point. So what negatives are in play if I have to get a new card number? Does the change from Visa to MC mean a new account number -and if so does this mean I lose history and perhaps affects CRA/credit score. hmmm..... Not worth a new account on my credit report.
**Any wisdom appreciated.
I PC'd a Slate (Visa) to a Freedom Flex (MC). The card number changed but all other account history carried over. No new account on credit report.
I have never done that so I couldn't answer that question. Thanks for sharing your experience.
Well, now a bit of drama...
As I was getting ready to PC my CSP to the CFF
..when I logged in, I see a new shiny offer:
-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Sighhhh, so now I need to decide if I want to accept this? ...and the ramifications of getting out of the CSP if I do.
[x] $200 free dollars is hard to pass up ....but at the same time I'm not sure I want the drama of a new account on my report and I'd still holding the CSP (which my whole reason to PC was to get out of the CSP annual fee)
[x] $10K CL offered is well below my CSP credit line, wondering if I took this offer, could I move my CSP line (or the majority of it) to the FLEX card and then close my CSP?
[x] I'll probably forget this offer and just do my original plan, but I'll think about it for a bit for a day or two.
I'm on a great streak with no new accounts and I'd hate to blow that. However, 200bucks and potentially a $30K CL (if allowed to transfer the CSP before I close it) is tempting.
Any wisdom appreciated, .....there are likely things I haven't thought of.
Ramble: I rarely get offers from Chase, other than promos to open savings/checkings. Never have had a CC offer. I can't help but wonder if they knew I was googling info on the FLEX card (last week) and never applied. Marketing is getting very clever in today's world.
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@MachoHombre wrote:Well, now a bit of drama...
As I was getting ready to PC my CSP to the CFF
..when I logged in, I see a new shiny offer:
-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Sighhhh, so now I need to decide if I want to accept this? ...and the ramifications of getting out of the CSP if I do.
[x] $200 free dollars is hard to pass up ....but at the same time I'm not sure I want the drama of a new account on my report and I'd still holding the CSP (which my whole reason to PC was to get out of the CSP annual fee)
[x] $10K CL offered is well below my CSP credit line, wondering if I took this offer, could I move my CSP line (or the majority of it) to the FLEX card and then close my CSP?
[x] I'll probably forget this offer and just do my original plan, but I'll think about it for a bit for a day or two.
I'm on a great streak with no new accounts and I'd hate to blow that. However, 200bucks and potentially a $30K CL (if allowed to transfer the CSP before I close it) is tempting.
Any wisdom appreciated, .....there are likely things I haven't thought of.
Ramble: I rarely get offers from Chase, other than promos to open savings/checkings. Never have had a CC offer. I can't help but wonder if they knew I was googling info on the FLEX card (last week) and never applied. Marketing is getting very clever in today's world.
Do you have a CFU? You could downgrade to the CFU and that is a visa so you would keep the same card number. Plus, the 5% on grocery is also an amazing SUB, up to 12k spend in the first year. (thats $600 more) Add that to the the $200 for $500 spend.