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Frequent Contributor
Posts: 335
Registered: ‎04-04-2008
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Re: BOA PRODUCT CHANGE



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




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.
Valued Contributor
Posts: 1,754
Registered: ‎11-03-2007
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Re: BOA PRODUCT CHANGE

I had no problem to change my Visa Platinum Plus Emerging Credit Card to BOFA Amex, even got some cli on activation.
IN VINO VERITAS.
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Registered: ‎04-01-2007
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Re: BOA PRODUCT CHANGE



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.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 1,754
Registered: ‎11-03-2007
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Re: BOA PRODUCT CHANGE

 :robothappy:

haulingthescoreup wrote:


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.


IN VINO VERITAS.
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