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Valued Member
lokobo
Posts: 37
Registered: ‎09-26-2010

Bank of America product change.. soft or hard pull? AAOA?

Hey guys,

 

I've had a Bank of America WorldPoints MasterCard for almost 2 years now. I am interested in doing a PC to the BankAmericard Privileges without any change in my CL.

 

Do you know if they do either a soft or hard pull for this?

 

And any idea how this will affect my AAOA?

 

Thanks in advance for any insight.



Current Score: 757 TU, 748 EQ (12/2012), Goal Score: 800
Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012

if it just a pc , no hp.

if it just a pc , no hp. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


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HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Bank of America product change.. soft or hard pull? AAOA?

Never heard of a PC request resulting in a hard pull. Are there exceptions?

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Bank of America product change.. soft or hard pull? AAOA?

I pcd a bofa card back in october and they didnt pull anything
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Member
lokobo
Posts: 37
Registered: ‎09-26-2010

Re: Bank of America product change.. soft or hard pull? AAOA?

Ok. Good to know. What about the age and history associated with your original account. Did that carry over with the product change?


Current Score: 757 TU, 748 EQ (12/2012), Goal Score: 800
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Bank of America product change.. soft or hard pull? AAOA?

Yup. The new card even came with the same member since date on it.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Member
lokobo
Posts: 37
Registered: ‎09-26-2010

Re: Bank of America product change.. soft or hard pull? AAOA?

[ Edited ]

Fantastic! How wonderful.



Current Score: 757 TU, 748 EQ (12/2012), Goal Score: 800
Established Contributor
FutureBillionaire
Posts: 630
Registered: ‎12-12-2012

Re: Bank of America product change.. soft or hard pull? AAOA?

I tried to transfer limits between cards and pc they did a hard pull.  The hard pull was only for the limit changes between cards.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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