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Posts: 9
Registered: ‎06-18-2012
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Don't Apply For That New Card! Ask for a CrossGrade!

So I recently had an issue where the university I attend stopped accepting VISA and my school card was a visa and wasnt willing to put the charges on my other cards. I called BofA, told them what was going on and they gave me a cross grade to a World Points MasterCard! Its got decent rewards, they dropped my interest rate to 11% and bumped my line of credit just because. Its also a really nice looking card! 

 

http://promotions.bankofamerica.com/ccsearchlp5/assets/card_mc_worldpoints.png

 

Just wondering if you guys had any tips and tricks when doing this. I currently have a BankAmericard Visa 321 as my primary and the Bank Of America World MasterCard as my School card. I dont like having more than 1 card from each company (only 1 visa, mc, discover)... I want to get a card from chase but its a visa and would like to convert my BankAmericard to an Amex... Think thats possible?

Regular Contributor
Posts: 120
Registered: ‎05-27-2012
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Re: Don't Apply For That New Card! Ask for a CrossGrade!

I did the same thing with student card back in 2010. I asked for a MasterCard and they gave me the worldpoints, but the color was different from yours. Just be aware that the points are not equal to 1 cent. I recently convert that to a mastercard version of 1-2-3 card. you can do the same if you like cash back more than points

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Epic Contributor
Posts: 25,839
Registered: ‎10-23-2007
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Re: Don't Apply For That New Card! Ask for a CrossGrade!


jmila1901 wrote:

So I recently had an issue where the university I attend stopped accepting VISA and my school card was a visa and wasnt willing to put the charges on my other cards. I called BofA, told them what was going on and they gave me a cross grade to a World Points MasterCard! Its got decent rewards, they dropped my interest rate to 11% and bumped my line of credit just because. Its also a really nice looking card! 

 

http://promotions.bankofamerica.com/ccsearchlp5/assets/card_mc_worldpoints.png

 

Just wondering if you guys had any tips and tricks when doing this. I currently have a BankAmericard Visa 321 as my primary and the Bank Of America World MasterCard as my School card. I dont like having more than 1 card from each company (only 1 visa, mc, discover)... I want to get a card from chase but its a visa and would like to convert my BankAmericard to an Amex... Think thats possible?


I don't see why Bank of America wouldn't PC to an Amex but possibly 60 days after last PC like Amex (real American Express) does.

But I would care more about rewards then only having 1 Visa, 1 MC, 1 Discover, 1 Amex... I see 1 card per bank but why Amex with BofA just because you want a Chase Card but it's Visa?

 

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
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Valued Contributor
Posts: 1,419
Registered: ‎01-14-2009
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Re: Don't Apply For That New Card! Ask for a CrossGrade!

Which Chase credit card are you interested in? The Chase Freedom? They do offer it as a Mastercard. Try searching for it on Mastercard's website.
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Posts: 7,225
Registered: ‎09-16-2011
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Re: Don't Apply For That New Card! Ask for a CrossGrade!

My mom has chase freedom world mc and my dad has chase freedom visa sig. Ive seen both cards so I definately agree that you can ask for either version of the freedom.

Starting Score: 08/29/2011 TU 671 EQ 674
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Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
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Re: Don't Apply For That New Card! Ask for a CrossGrade!

how come i cant find that card in bofa website? im thinking about changing my student plat plus to something else.

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