04-12-2008 03:58 PM
lurknomore wrote:Hi ash! There've been several threads on this. To answer your question about an inq, many posters have been able to do a product change without incurring an additional hard inq.One thing discussed recently was the possibility of needing a minimum CL of $5K to change from the plain platinum plus visa (aka emerging credit visa) to a BofA rewards card (I wonder if it has something to do with the fact that the card used to be secured). I've called a couple of times to confim this tidbit, but no CSR would tell me specifically. It seems to have some validity because I can't recall if any poster with the platinum plus visa has been able to do a product change to the Amex (or any other non-platinum plus card). At best I've heard of them getting the "world points" feature added.I would love to know if anyone has successfully managed a product change from the platinum plus visa (with a CL of less than $5K) to a regular rewards card. I've been shot down twice, and I need to know if I should persevere or if I should wait until my CL is increased to $5K and then try again.Anyone?In the meantime, ash, I think you should give it a try. You might also want to double-check and ask the CSR if there will be hard inq for the change. Good luck and keep us posted!
Message Edited by lurknomore on 04-02-2008 08:37 PM
04-12-2008 08:12 PM
I had no problem to change my Visa Platinum Plus Emerging Credit Card to BOFA Amex, even got some cli on activation.
04-12-2008 08:38 PM
wmarat wrote:I had no problem to change my Visa Platinum Plus Emerging Credit Card to BOFA Amex, even got some cli on activation.
Hey, you're back! Glad to see that you're out of the new credit stage.
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