@Anonymous wrote: I have the same problem with Patelco. When I applied they gave me the card with a $5000 max limit and no rewards. I tried to at least get it converted into a rewards card but was told that the new card would open with a fresh history so I sent my card to the sock drawer for a looooong vacation.
It's not the same problem. Your situation is a total problem. On the other hand every PC at BofA results in the account number being changed and new plastic being issued. The account history is transferred to the new account number and the old number is removed from your reports. This process has no effect on your credit standing or scores.
Actually called the backdoor no and spoke to a credit analyst and she said that my card will definitely need to be changed, which is not a problem with me as long as it does not affect my credit score.
@Anonymous wrote: Maybe because it was an upgrade. I didn't need new card??????
All BofA product changes require a change of account number and new plastic. The history is carried over to the new account number and the old number is deleted from your CBR's. It is not a problem - it is just a practice. It is the way things are done.
I am changing my Bank of America visa credit card to another one that has more rewards and cashback but I was told but the customer service representative that to do so, he has to close the old credit account and open a new one which will have a new no. that is eligible for rewards.
I recently did a PC with BOA. There was no additional inquiry and no new tradeline. They simply changed the account number and issued a new card. The new card kept the same history from the old card.
@DI wrote: I recently did a PC with BOA. There was no additional inquiry and no new tradeline. They simply changed the account number and issued a new card. The new card kept the same history from the old card.
Yes, that is exactly the way BofA does it - like clockwork science - after the next billing cycle closes following your request for a PC.
@DI wrote: I recently did a PC with BOA. There was no additional inquiry and no new tradeline. They simply changed the account number and issued a new card. The new card kept the same history from the old card.
Yes, that is exactly the way BofA does it - like clockwork science - after the next billing cycle closes following your request for a PC.
There was some confusion after I did the PC. BOA sent me two cards with different numbers on them. I chose the one that was listed on my credit reports and online account. I never called about the other card. I ruled it an error on their part for sending it.
