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BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

Regular Contributor

BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

I was able to successfully do change my Signature Visa with a $10,000.00 limit into a Platinum Plus Mastercard. Same cash rewards program (kept my cash reward), same APR, same credit limit -- except, the limit will now report on my credit reports. Smiley Happy

 

Took BofA approximately 2-weeks to initiate the transfer once I made the request; should have the new card within 7-10 days.

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)
Message 1 of 20
19 REPLIES
Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

Did they pulled your credit report, i guess they shud not..

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Message 2 of 20
Highlighted
New Member

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

They dont have a World Mastercard?

Message 3 of 20
Regular Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard


Pardeep wrote:

Did they pulled your credit report, i guess they shud not..


Nope, no pull for this.

 

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)
Message 4 of 20
Regular Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard


Correction wrote:

They dont have a World Mastercard?


They do, but I wanted the limit to report on my credit files, so I chose the Platinum Plus Mastercard.

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)
Message 5 of 20
Established Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

Generally speaking, when someone PC's, or product changes their card just to a different card, there is no hard pull done. As for the World Mastercard, I believe it acts the same as the Visa Signature, which is NPSL. 

Message 6 of 20
Valued Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

You are too in love with limit reporting. There is nothing wrong with not reporting a limit.

 

Visa Signature to Platinum MasterCard is a big downgrade. You are losing extended warranty protection (MC has the worst warranty vs Platinum Visa), travel perks, etc.

Message 7 of 20
Regular Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard


trumpet-205 wrote:

You are too in love with limit reporting. There is nothing wrong with not reporting a limit.

 

Visa Signature to Platinum MasterCard is a big downgrade. You are losing extended warranty protection (MC has the worst warranty vs Platinum Visa), travel perks, etc.


True, if my goal was to have the Signature perks, but I am not interested. My Amex Premier Rewards card will suffice if I need additional purchase protection.

 

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)
Message 8 of 20
Established Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard


trumpet-205 wrote:

You are too in love with limit reporting. There is nothing wrong with not reporting a limit.

 

Visa Signature to Platinum MasterCard is a big downgrade. You are losing extended warranty protection (MC has the worst warranty vs Platinum Visa), travel perks, etc.


+1,000

Message 9 of 20
Valued Contributor

Re: BankAmericard Cash Rewards change from Signature Visa to Platinum Plus Mastercard

You sure it wasn't reporting limits?  Many visa sig reporting limits now

               LIMITS IN CARD DESCRIPTIONS
Message 10 of 20