@Anonymous 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
I was successful in upgrading my VISA Gold card to World Points today after a couple of failed attempts.
I hardly used BOA card, it was a "Gold" card that was upgrade from secure to unsecure about 7 years ago. They've increased CL from $200 - $800 gradually over the years.
After reading up on "product change" on this board, I thought I'd call BOA and try my luck. After several calls, emails and online chat, I succeeded in upgrading to WorldPoints.
I don't know if they gave me a CLi but I was able to upgrade with an initial CL of $800 on the Gold Card.
