Your original card will eventually close and any balance will now be on the Mastercard version. I believe the age of account stays the same. Looking at my age on Credit Karma, it looks like it's the right age for when I originally opened the account, and not when it switched to a Mastercard.
The extra rewards are nice! I only ever use the card for vet bills too, and originally opened it when I had to take my cat to the ER. I take the longest promotional period that they'll give me, and then make darn sure to pay it off in time as the interest is ungodly if you don't. But now you'll get a little bit of cash back too, so there's only positives in the switch, as the card works entirely the same otherwise.
Congrats on getting the "upgrade" to Mastercard!
Congrats, can you let us know for DP's what your scores were when you opened your account, what it is now, and please add the vantage score that they provide if you can please. This helps us all learn more about each situation that occurs to be able to provide it back to others. Congrats once again and enjoy!
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@dlister70 wrote:Your original card will eventually close and any balance will now be on the Mastercard version. I believe the age of account stays the same. Looking at my age on Credit Karma, it looks like it's the right age for when I originally opened the account, and not when it switched to a Mastercard.
The extra rewards are nice! I only ever use the card for vet bills too, and originally opened it when I had to take my cat to the ER. I take the longest promotional period that they'll give me, and then make darn sure to pay it off in time as the interest is ungodly if you don't. But now you'll get a little bit of cash back too, so there's only positives in the switch, as the card works entirely the same otherwise.
Congrats on getting the "upgrade" to Mastercard!
@JM761 This is correct. Both cards appeared for an interim time on my account a couple of years ago but the retail card eventually showed closed. Only one account ever reported and the entire history remained. Same thing happened with a TJX retail card >> TJX Mastercard a few years before that.
Congrats on the upgrade. Your story is similar to mine in terms of getting the Care Credit card for your dog. I had an emergency with my Mastiff in May 2022 and needed to take him to the vet emergency room and knew it was going to be expensive. I didn't have the cash at the time and much like you I have been rebuilding my credit post 2021 BK.
Funny thing is that prior to me getting the CareCredit card - synchrony wouldn't even look at me and still won't. They started me off with a $500 limit and I've been there ever since. I have multiple credit cards with a perfect payment history, two car loans obtained in December 2022 with financing through GM financial and the other through a credit union. Perfect payment history on everything with no negatives since bankruptcy and they turn up their noses lol. You should feel proud for the upgrade - hard work pays off and so does discipline.
I do have one question for you and you don't have to answer if you don't want but it's more of a research question. Do you have any Capital One cards or do you have trouble getting Capital One to approve you for anything? I've talked to a lot of people that I know who have synchrony-backed cards like Lowe's, Amazon, etc and they can't get Capital One to look at them. On the other end of the spectrum there are people like me who have obtained four Capital One cards in the past year and a half and other people I have talked to who Capital One seems to love can't seem to get synchrony cards. So that's why I ask. Congrats again on the upgrade my friend.
Starting Score: 570
