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Regular Contributor
MontegoMack
Posts: 201
Registered: ‎01-21-2012
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Cardholder Since??

FedEx just delivered my BankAmericard Cash Rewards Platinum Plus card and I was surprised to see printed (not embossed) on the bottom "CARDHOLDER SINCE 03".

Obviously, I've been with them for almost 10 years, but this is the first time that I'm seeing this AMEX type language. 

 

How long has BofA been printing that on their cards?

BofA Cash Rewards Signature Visa 5k
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Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Cardholder Since??

Very interesting. My Cash Reward Privileges Card says member since 12

 

Now I used to have a Worldpoint Plat with them in 2003 that I closed in 2006.

 

did you have other cards with them prior? I wonder how they will report this to the CRA's. Backdating a la AMEX style?




Regular Contributor
MontegoMack
Posts: 201
Registered: ‎01-21-2012
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Re: Cardholder Since??

I had a secured card back in '03. Six months later, it graduated to become a Premier Gold card (an ugly card, BTW). Just last month, I apped for a product change to the BankAmericard Cash rewards Platinum Plus. Voila! I'm showing CARDHOLDER SINCE 03 and I'm not sure how it'll report. I'm on hold with them now. I'll let you know what happens.

BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
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Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Cardholder Since??

Semms like since its a PC, the account number stays the same so it's logical that they will also keep the original date the card was opened.

 

If the account number stayed the same, chances are they will report the card member since 03'




Regular Contributor
MontegoMack
Posts: 201
Registered: ‎01-21-2012
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Re: Cardholder Since??

Funny thins is that the card number is different. Every digit.

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Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Cardholder Since??

Now i'm intrigued




Frequent Contributor
OhioCPA
Posts: 471
Registered: ‎03-29-2011
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Re: Cardholder Since??

My experience is that while the account number will change the account history will follow a BOA PC.

________________________________________________________________________________
Regular Contributor
MontegoMack
Posts: 201
Registered: ‎01-21-2012
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Re: Cardholder Since??

OhioCPA: You're correct.

 

I was told that it won't show as a closure on my CR, it'll appear as a "continuous relationship in the same line even though there are different card numbers. A conversion, not closure."

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Member
dns
Posts: 15
Registered: ‎08-15-2012
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Re: Cardholder Since??

My BofA student visa has had "CARDHOLDER SINCE" ever since I got it in 2008. Hopefully someone can give you a more precise date on it!

(12/2008)BofA Bankamericard: $2.2k, (11/2011)Chase Freedom: $3k, (04/2012)Barclays NFL Extra Points (Seahawks): $250, (08/2012)American Express BlueSky: $16.5k, (08/2012)Discover IT: $4.5k, (08/2012)Walmart Discover: $3.3k, (12/2013)BofA Alaska Airlines: $6.5k, (1/2014)Chase Sapphire Preferred: $8.5k

(11/2011)Chase EX: 756, (09/12)Walmart TU: 743 (08/12)Discover EQ:759 (09/12)CK FAKO:743, (09/12)CS FAKO: 738
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Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
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Re: Cardholder Since??

I have experienced this exactly.  When I applied for my BoA Travel Rewards, the CSR messed up and approved me for the Cash Rewards.  Even though I did a product change immediately, I actually had a Cash Rewards card mailed to me first, then later a Travel Rewards.  The Cash Rewards card was reporting on my credit reports immediately.

 

The Travel Rewards is a different card with a different number, but eventually the Cash Rewards reporting was removed and the Travel Rewards with new account number replaced it, with same date for when the account opened.

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Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

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