C.K. wrote:I've been thinking of switching my cash rewards to the better balance rewards as well but I'm waiting to hit $25 to redeem on my cash rewards 1st (I'm just over halfway there). I'll do the switch by the end of June if things don't change. I'm also gonna ask for a CLI as well so they'll probably hit me with 2 HPs.
Conversion is only good if you do not use your cash rewards card has been sitting in a drawer for years doing nothing. This was the case for me and I went ahead for the conversion without any HP.
Even if you go for the conversion, you will not have any HP. May be 1 for the CLI.