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Some BoA luv!

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DrZoidberg
Established Contributor

Some BoA luv!

I had a BoA secure card that graduated 3 years ago (I've had it for 5 years total) and it's just a normal Mastercard with no rewards so I figured I would convert it to something useful, I don't want to close it because it's one of my oldest cards. 

 

So I ask about a PC and they offered to convert to a BoA Travel Rewards Visa or a rewards Amex, but they said the Amex required a $5k limit. My MC only has a $2.5k limit, I never bothered upping it as I just have it because it's old. Well I do a CLI request online and get an instant approval from $2.5k to $10k. After that I submit the request to convert. So they converted it to a Travel Rewards Amex.

 

It's I card I hardly use so it's nice to get a nice CL on it and now it actually has some benefits to it. 

Message 1 of 11
10 REPLIES 10
Kenny
Moderator Emeritus

Re: Some BoA luv!

Message 2 of 11
gdale6
Moderator Emeritus

Re: Some BoA luv!


@DrZoiberg wrote:

I had a BoA secure card that graduated 3 years ago (I've had it for 5 years total) and it's just a normal Mastercard with no rewards so I figured I would convert it to something useful, I don't want to close it because it's one of my oldest cards. 

 

So I ask about a PC and they offered to convert to a BoA Travel Rewards Visa or a rewards Amex, but they said the Amex required a $5k limit. My MC only has a $2.5k limit, I never bothered upping it as I just have it because it's old. Well I do a CLI request online and get an instant approval from $2.5k to $10k. After that I submit the request to convert. So they converted it to a Travel Rewards Amex.

 

It's I card I hardly use so it's nice to get a nice CL on it and now it actually has some benefits to it. 


Congrats & enjoy

Message 3 of 11
MsLadyRover
Valued Contributor

Re: Some BoA luv!

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 4 of 11
coldnmn
Mega Contributor

Re: Some BoA luv!

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 11
-Wade-
Valued Contributor

Re: Some BoA luv!


@DrZoiberg wrote:

I had a BoA secure card that graduated 3 years ago (I've had it for 5 years total) and it's just a normal Mastercard with no rewards so I figured I would convert it to something useful, I don't want to close it because it's one of my oldest cards. 

 

So I ask about a PC and they offered to convert to a BoA Travel Rewards Visa or a rewards Amex, but they said the Amex required a $5k limit. My MC only has a $2.5k limit, I never bothered upping it as I just have it because it's old. Well I do a CLI request online and get an instant approval from $2.5k to $10k. After that I submit the request to convert. So they converted it to a Travel Rewards Amex.

 

It's I card I hardly use so it's nice to get a nice CL on it and now it actually has some benefits to it. 


Congrats on your CLI Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 6 of 11
DrZoidberg
Established Contributor

Re: Some BoA luv!

Will the card being an Amex be able to leverage me any history with Amex? Or is it just a stamp on the card that has no meaning really. 

Message 7 of 11
tryingagain62
Contributor

Re: Some BoA luv!

I was recently approved for a FNBO Amex card and from what I have read it has nothing to do with Amex other than being a FNBO card that rides on the Amex network. It wont have any bearing on building a relationship with Amex.

Message 8 of 11
Anonymous
Not applicable

Re: Some BoA luv!

Congrats!
Message 9 of 11
CreditMagic7
Mega Contributor

Re: Some BoA luv!


@DrZoiberg wrote:

I had a BoA secure card that graduated 3 years ago (I've had it for 5 years total) and it's just a normal Mastercard with no rewards so I figured I would convert it to something useful, I don't want to close it because it's one of my oldest cards. 

 

So I ask about a PC and they offered to convert to a BoA Travel Rewards Visa or a rewards Amex, but they said the Amex required a $5k limit. My MC only has a $2.5k limit, I never bothered upping it as I just have it because it's old. Well I do a CLI request online and get an instant approval from $2.5k to $10k. After that I submit the request to convert. So they converted it to a Travel Rewards Amex.

 

It's I card I hardly use so it's nice to get a nice CL on it and now it actually has some benefits to it. 


I know the feeling Smiley Wink

From my own whole line up of CC's i seem to prefer turning to BofA and enjoy reaping their Cash Back Rewards. Personally might have a lot to do with US Bank keeping their Cash+ out of my reach Smiley LOL

 

Congrats! on the long awaited surge ahead enough to land a decent one for you from them.

Message 10 of 11
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