BoA Cash Rewards Visa Signature To Platinum Plus Conversion

[Anonymous]

I have a 10k CL on a BoA BoA Cash Rewards Visa Signature card and I've read it doesn't report CL to the CRBs (only high balance). I am willing to give up the Visa Sig. benefits in order to convert it to a Platinum Plus account so that the 10k gets reported. Anyone have any insight into any downsides of this? Also will they HP/SP to for a PC?

[tray]

Welcome to the forum, with BOA for any product changes there is no hard pull.   I just did a product change with BOA to a visa signature, be aware BOA will require you to decrease your cl to less than $5,000 because the computer will automatically with any card change revert to a siggy if you have over a $5,000cl, this is what happened to me I had a $5,000 cl and requested to do a product change I went with the BOA power points visa not the siggy, sure enough when everything was finalized i noticed on line it was a siggy card, well I was then furious because I never requested this type of card, called BOA and was told I had to decrease my cl to $4,900.00 in order for any cl to report, i did this then changed my mind decided to stay with the siggy card, called BOA again now  a hard pull to increase my cl (what a joke) had to be done to stay with the siggy card, I agreed to this cli  $1,100.00 was granted.  Good Luck in what you decide to do.

I had the platinium plus card and the rewards points are way less than other cards BOA offers

[afbar1114]

you get alot of benefits with the siggy card. alot of them just search visa siggy and see what you get

[Anonymous]

If you don't mind switching to AMEX you can get the BOA AMEX card which does report a limit and offers 1.25 points per $1 spent, 25% better than the standard visa sig card.

[calogan]

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@tray wrote:

Welcome to the forum, with BOA for any product changes there is no hard pull.   I just did a product change with BOA to a visa signature, be aware BOA will require you to decrease your cl to less than $5,000 because the computer will automatically with any card change revert to a siggy if you have over a $5,000cl, this is what happened to me I had a $5,000 cl and requested to do a product change I went with the BOA power points visa not the siggy, sure enough when everything was finalized i noticed on line it was a siggy card, well I was then furious because I never requested this type of card, called BOA and was told I had to decrease my cl to $4,900.00 in order for any cl to report, i did this then changed my mind decided to stay with the siggy card, called BOA again now  a hard pull to increase my cl (what a joke) had to be done to stay with the siggy card, I agreed to this cli  $1,100.00 was granted.  Good Luck in what you decide to do.

I had the platinium plus card and the rewards points are way less than other cards BOA offers

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Speaking as a platinum plus (non-siggy) card holder with over 10k limit on that card, YMMV.

[MrShush]

I too had a Platinum Plus MasterCard with a 10K limit. In early March they offered a $50 bonus to convert to a Cash Rewards WORLD MC. the limit does report and World=Signature.

[tray]

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@calogan wrote:

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@tray wrote:

Welcome to the forum, with BOA for any product changes there is no hard pull.   I just did a product change with BOA to a visa signature, be aware BOA will require you to decrease your cl to less than $5,000 because the computer will automatically with any card change revert to a siggy if you have over a $5,000cl, this is what happened to me I had a $5,000 cl and requested to do a product change I went with the BOA power points visa not the siggy, sure enough when everything was finalized i noticed on line it was a siggy card, well I was then furious because I never requested this type of card, called BOA and was told I had to decrease my cl to $4,900.00 in order for any cl to report, i did this then changed my mind decided to stay with the siggy card, called BOA again now  a hard pull to increase my cl (what a joke) had to be done to stay with the siggy card, I agreed to this cli  $1,100.00 was granted.  Good Luck in what you decide to do.

I had the platinium plus card and the rewards points are way less than other cards BOA offers

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Speaking as a platinum plus (non-siggy) card holder with over 10k limit on that card, YMMV.

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Well I had a non siggy platinium plus visa world points with a $5,000.00 cl reporting,  I am sure if I kept this card cl would have grown with cli's still reporting  but soon as I requested for a different rewards card my cl became an issue with BOA  and would only grant  a siggy card.  I hope in the future this bank reports credit limits with their siggy cards like chase and citi.