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Established Contributor
Posts: 669
Registered: ‎11-13-2012
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Anyone had any luck or tried a PC with B o A?

When I get my current balance paid off which will be in less than 2 weeks i'd like to PC to the cash rewards i have just the normal bank of america card right now. Has anyone had any success in the past with this? and do they do a hard pull, because if that's so i'll need to wait.

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Regular Contributor
Posts: 223
Registered: ‎01-01-2012
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Re: Anyone had any luck or tried a PC with B o A?

I PC'd down from Americard Siggy to Platinum Plus - was able to keep cash rewards.  My reason? Platinum Plus reports a credit line; signature cards, by nature, do not which is a utilization killer if carrying high balances.

Established Contributor
Posts: 669
Registered: ‎11-13-2012
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Re: Anyone had any luck or tried a PC with B o A?

even though you were downgrading did they pull a CR?

 

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Regular Contributor
Posts: 223
Registered: ‎01-01-2012
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Re: Anyone had any luck or tried a PC with B o A?

Nope.  Wasn't necessary because I wasn't attempting to improve cards - was downgrading.

Frequent Contributor
Posts: 378
Registered: ‎03-31-2012
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Re: Anyone had any luck or tried a PC with B o A?

I upgraded from the plat to the siggy without them running my credit.

 

How high is your limit?  I had a 15K limit on my plat....... If you need to increase your limit to get above 5K it will be a hp.  If you are just PCing the card they should not need to run your credit.

 

My siggy showed on my credit report for 5 months, and then drop off Experian randomly.  I PC out of the siggy to make sure the limit reports.  In my opinion their are better cash reward cards on the mark that will be certain to report limits. 

Member
Posts: 16
Registered: ‎08-13-2012
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Re: Anyone had any luck or tried a PC with B o A?

I went from a cash rewards world MC to a platinum privileges card. No HP.
Established Contributor
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Registered: ‎10-16-2007
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Re: Anyone had any luck or tried a PC with B o A?

I just did a product change no HP. was very quick and easy over the phone

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Established Contributor
Posts: 669
Registered: ‎11-13-2012
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Re: Anyone had any luck or tried a PC with B o A?

its only 1.5k but when i pay it off i'm gonna wait a few months and request a CLI and a PC...i want to earn rewards on my purchases...I need to get a co branded card over a 2k limit so i look more appealing to creditors...this low limit stuff is killing me.

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Established Contributor
Posts: 669
Registered: ‎11-13-2012
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Re: Anyone had any luck or tried a PC with B o A?

[ Edited ]

I'm currently on the chat with them to see if they can.

 

edit: they switched me to the 123 cash rewards card

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Member
Posts: 16
Registered: ‎08-13-2012
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Re: Anyone had any luck or tried a PC with B o A?

Nice! Congrats. Didn't know that they could PC over chat. And it looks like you got the rewards card you wanted .
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