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BoA credit card backdate?

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Anonymous
Not applicable

BoA credit card backdate?

I put in a request today to upgrade my old student credit card to a Cash Rewards card. I asked the rep if the new card will be backdated to the opening date of the old card. She replied that they keep all history on their file even when upgrading to a new card. The new card will have 2015 on it, but the old history will still be there. Does that mean my new card will be backdated? This is my oldest CC and losing this would greatly hamper my AAoA.

Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: BoA credit card backdate?

If it's simply a product change it will report the original date to the CRAs, no impact on AAoA.

Message 2 of 10
Anonymous
Not applicable

Re: BoA credit card backdate

Is going from Platinum plus visa to Cash Rewards card considered a product change,

Message 3 of 10
ojefferyo
Valued Contributor

Re: BoA credit card backdate

yes

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 4 of 10
Anonymous
Not applicable

Re: BoA credit card backdate

If the card number changes on the new card, will it still be backdated?

 

Message 5 of 10
gdale6
Moderator Emeritus

Re: BoA credit card backdate


@Anonymous wrote:

If the card number changes on the new card, will it still be backdated?

 


yup

Message 6 of 10
Anonymous
Not applicable

Re: BoA credit card backdate?

Awesome! Thanks everyone for bearing with my questions.
Message 7 of 10
ojefferyo
Valued Contributor

Re: BoA credit card backdate?

It will say on the CR the account number changed but everything else is still that same.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 8 of 10
Anonymous
Not applicable

Re: BoA credit card backdate?

PC always stay with same opened acct and member since. i had a world points visa and did a PC to cash rewads and nothing else change exept the card and rewards. thats all

Message 9 of 10
bch238
Regular Contributor

Re: BoA credit card backdate?

PC has absolutely no effect on age of the account.  My oldest account is my CSP, which dates back to 1991.  It was originally a First USA Visa, then when First USA was bought out by Chase, it converted to a Chase Visa, then a Chase Gold Visa, then a Chase Platinum Visa, then it became a Chase Sapphire, and finally--for the first time at my request--it converted to my current CSP.  It still shows up on my reports as issued in 1991.

FICO Scores (MARCH 2016): EQ 829; EX 825; TU 828
AmEx BCP $25,000; AmEx Platinum (NPSL); Barclaycard JetBlue Rewards $5,000; Bank of America Cash Rewards $27,500; Chase Sapphire Preferred $33,700; Chase Marriott Rewards Premier $15,000; Chase Freedom $12,000; Citi Prestige $30,500; Virgin America Premium $25,000; The Home Depot Card $20,500; Capital One Platinum $15,000
Message 10 of 10
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