If I did a PC on my Cap1 card, will it create a new TL and affect AAOA, or will it just continue on the same revolving CC TL? Thanks in advance
@VirtualCuriosity wrote:If I did a PC on my Cap1 card, will it create a new TL and affect AAOA, or will it just continue on the same revolving CC TL? Thanks in advance
Typically product changes keep entire payment history with the new card though the account number will typically update on the TL, that's the only effect I'm aware of; sometimes you may have two TL's reporting for a bit, double bonus if it's clean 
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Cool, thanks. I am going to refinance soon but I don't want them to think I am seeking new credit. I will make sure Cap1 can SP for the PC first.
@VirtualCuriosity wrote:Cool, thanks. I am going to refinance soon but I don't want them to think I am seeking new credit. I will make sure Cap1 can SP for the PC first.
I'd wait then personally. PC with the secondary tradeline took 2 months to clear from my report on BOFA - refinance >>>>>>>>>> any credit card, do that first, then sort the PC later.
Yeah maybe its not worth playing around with yet. I still have four months until the AF kicks in again.