Amazon tire-kicking for Chase replacement of CC

[rgd51]

So the Amex account didn't show as closed on your credit report? And a new account didn't just appear?

[FalconSteve]

Was that directed at me?

AmEx was either closed or PCed (can't remember) and Citi was added and backdated, so it showed up as an old account.

[rgd51]

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@FalconSteve wrote:

Was that directed at me?

AmEx was either closed or PCed (can't remember) and Citi was added and backdated, so it showed up asan old account.

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Yeah but my Amazon card is less than a year old which is below my AAoA so wouldn't it changing lenders harm my account? If that happens I might be better off just canceling the card with chase before it closes and applying for some other card and getting a SUB

[FalconSteve]

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@rgd51 wrote:

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@FalconSteve wrote:

Was that directed at me?

AmEx was either closed or PCed (can't remember) and Citi was added and backdated, so it showed up as an old account.

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Yeah but my Amazon card is less than a year old which is below my AAoA so wouldn't it changing lenders harm my account? If that happens I might be better off just canceling the card with chase before it closes and applying for some other card and getting a SUB

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If both stayed open, yes, but that is pretty rare that both accounts stay open and you can ask that that change that so it doesm't lower your AAoA on the rare chance it does.

[rgd51]

So the account would likely stay the same but the name of it on my reports might change?

[FalconSteve]

The old servicer will still show up, but they don't count. You can also have them removed manually.

[rgd51]

How do you have them removed manually?

[FinStar]

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@rgd51 wrote:

So the Amex account didn't show as closed on your credit report? And a new account didn't just appear?

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Not in my experience.  AmEx converted the Costco card to a Blue Cash so it was never closed.  The Citi Costco card retained the history of the Costco AmEx True Earnings account when it reported.

[rgd51]

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@FinStar wrote:

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@rgd51 wrote:

So the Amex account didn't show as closed on your credit report? And a new account didn't just appear?

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Not in my experience.  AmEx converted the Costco card to a Blue Cash so it was never closed.  The Citi Costco card retained the history of the Costco AmEx True Earnings account when it reported.

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Sounds like a sweet deal. Would be nice if chase offers a PC if they give up the Amazon portfolio. 

[FinStar]

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@rgd51 wrote:

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@FinStar wrote:

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@rgd51 wrote:

So the Amex account didn't show as closed on your credit report? And a new account didn't just appear?

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Not in my experience.  AmEx converted the Costco card to a Blue Cash so it was never closed.  The Citi Costco card retained the history of the Costco AmEx True Earnings account when it reported.

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Sounds like a sweet deal. Would be nice if chase offers a PC if they give up the Amazon portfolio. 

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We shall see.

I wouldn't worry too much about it, to be honest. Conversions happen all the time and it's doubtful anything disadvantegous (reporting-wise) would happen regardless what the outcome is with the Chase Amazon card.  So, I wouldn't rush into doing anything drastic right now because sometimes things can backfire.