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Bank of America Product Change no go

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lg8302ch
Senior Contributor

Re: Bank of America Product Change no go


@NRB525 wrote:

@Anonymous wrote:
Ouch 4% sucks.

Yes, but it's better than US Bank, 3% fee for 2.99% APR. Got a few last year from USB for 3% fee and 0% APR, 18 months, so working on that to the end of the year.

Discover sends 3% for 0% APR, but the limit on that card is lower so not as useful.


BofA used to offer me 2% BT fee with 0% APR but no longer. Since I have the BBR card it is 4%.  Oh well... Cap1 with 1% fee and 0% gets that business especially since it is with convenience checks. Barclays and Chase are coming up with 2% fee and 0% APR but as long as I get 1% offers I take these.  BofA is not very interesting for BTs at the moment at least for me.

Message 21 of 38
Anonymous
Not applicable

Re: Bank of America Product Change no go


@NRB525 wrote:

@Anonymous wrote:
Got 2% fee on Barclays Arrival+ D:

I got denied the Barclays Arrival+ last July Smiley Happy

 

Congrats, that's a good fee. What percentage of the CL did you BT?


No fee with Ring, Now I just need them to send some convenience checks. Smiley Tongue

 

@2% w/Barclay's Arrival, I considering wiping out the BT on the wife's Aviator and moving most of it's CL to the Arrival to take advantage of this, I could fund my gambling @ Vegas next week with it. 1K, 2K? Lol. Smiley Very Happy

Message 22 of 38
NRB525
Super Contributor

Re: Bank of America Product Change no go


@lg8302ch wrote:

@NRB525 wrote:

@Anonymous wrote:
Ouch 4% sucks.

Yes, but it's better than US Bank, 3% fee for 2.99% APR. Got a few last year from USB for 3% fee and 0% APR, 18 months, so working on that to the end of the year.

Discover sends 3% for 0% APR, but the limit on that card is lower so not as useful.


BofA used to offer me 2% BT fee with 0% APR but no longer. Since I have the BBR card it is 4%.  Oh well... Cap1 with 1% fee and 0% gets that business especially since it is with convenience checks. Barclays and Chase are coming up with 2% fee and 0% APR but as long as I get 1% offers I take these.  BofA is not very interesting for BTs at the moment at least for me.


Those are good rates.

Given my balances (which are now under $35k across all cards) BofA has the most interesting offers.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 23 of 38
joedtx
Valued Contributor

Re: Bank of America Product Change no go


@NRB525 wrote:

4% fee

 

I think I will try one more time, take both BofA cards into a local branch to rephrase the question, just to be sure there are not some other offers for PC.


Any luck with the local branch?

Message 24 of 38
icyhot
Valued Contributor

Re: Bank of America Product Change no go

That's weird? I had the same BankAmericard MC, only had it a month, asked to PC to Travel Rewards visa they said yes, then called back and asked for Cash rewards visa instead, they said yes, THEN asked for Susan G Komen instead. They said yes. Ultimately got SGK, used it for a while, didn't like that it didn't have CHIP so I called to ask for the non-affinity cash rewards visa an they said yes again. I'll just have a different card number. That's so strange that they didn't let you do it
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 25 of 38
Anonymous
Not applicable

Re: Bank of America Product Change no go


@icyhot wrote:
That's weird? I had the same BankAmericard MC, only had it a month, asked to PC to Travel Rewards visa they said yes, then called back and asked for Cash rewards visa instead, they said yes, THEN asked for Susan G Komen instead. They said yes. Ultimately got SGK, used it for a while, didn't like that it didn't have CHIP so I called to ask for the non-affinity cash rewards visa an they said yes again. I'll just have a different card number. That's so strange that they didn't let you do it

How long ago was this though?

Message 26 of 38
icyhot
Valued Contributor

Re: Bank of America Product Change no go

Within the last couple months. I opened the first card in January, requested the first PC in February and got the new card in March, and now the current PC is processing now
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 27 of 38
NRB525
Super Contributor

Re: Bank of America Product Change no go


@joedtx wrote:

@NRB525 wrote:

4% fee

 

I think I will try one more time, take both BofA cards into a local branch to rephrase the question, just to be sure there are not some other offers for PC.


Any luck with the local branch?


I'll go Monday. Too nice a day to go to the bank Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 28 of 38
NRB525
Super Contributor

Re: Bank of America Product Change no go


@icyhot wrote:
Within the last couple months. I opened the first card in January, requested the first PC in February and got the new card in March, and now the current PC is processing now

Some people have all the luck. Congrats on the successful card shopping Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 29 of 38
CreditUnionFan
Valued Contributor

Re: Bank of America Product Change no go


@Anonymous wrote:

@Anonymous wrote:
How about BBR.

I thought that was the one hard policy they have now: no PC-ing to BBR whatsoever


Correct. I tried, escalated into a number reserved for BoA friends and family. 

 

I could PC into other cards, but absolutely no PC to BBR.

 

I think the OP wanted to PC a business card, which is another interesting situation.

I was going to garden... Honest!
Message 30 of 38
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