- Centurion Member
- Posts: 106
- Joined: Wed Apr 03, 2013 3:16 am
- Location: nyc/ny
if you are interested in staying with BoA, then definitely upgrade. for two HUGE reasons:
first and foremost, it is technically the same account so your AAoA doesn't take a hit when you open a new account. BoA will change your account # for sure, but the account will still be the same.
second, your interest will probably be lower this way, in case you ever have to pay it.
but before you do a PC, see if you are eligible for any CL bumps or an APR reduction first, then do the upgrade. your eligibility might disappear after the PC.
if you aren't going to use it, then may as well leave it alone. but keep it around since it is your oldest account.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL
Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.