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Established Member
Posts: 29
Registered: ‎02-21-2013
0

Upgrading BofA card??

My first ever credit card was the BofA student rewards card 6 years ago. Within this time period I have had some missed payments with them back from 2009 but have been current and the balance was paid to zero a couple months ago I dont want to close this since it is my first credit card but I want to upgrade to the cash rewards card instead of the student since I am not a student and there are no benefits on this card anymore since my missed payments and my interest rate sky-rocketed...I applied for the cash rewards card but got denied about a week ago. Does anyone know who I can call or if it even possible to upgrade cards with them? Would I have to do a recon? If it is going to restart my card opened date then I dont want to do it because my AAoA will go way down


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Community Leader
Senior Contributor
Posts: 28,796
Registered: ‎02-07-2013
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Re: Upgrading BofA card??

First rule of thumb..Recon!!!!!!!!!!!!!

Also after a 6 year old account I would think your eligible for other cards as well


brittany15213 wrote:

My first ever credit card was the BofA student rewards card 6 years ago. Within this time period I have had some missed payments with them back from 2009 but have been current and the balance was paid to zero a couple months ago I dont want to close this since it is my first credit card but I want to upgrade to the cash rewards card instead of the student since I am not a student and there are no benefits on this card anymore since my missed payments and my interest rate sky-rocketed...I applied for the cash rewards card but got denied about a week ago. Does anyone know who I can call or if it even possible to upgrade cards with them? Would I have to do a recon? If it is going to restart my card opened date then I dont want to do it because my AAoA will go way down


 

 

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
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Posts: 3,363
Registered: ‎10-19-2012
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Re: Upgrading BofA card??


brittany15213 wrote:

My first ever credit card was the BofA student rewards card 6 years ago. Within this time period I have had some missed payments with them back from 2009 but have been current and the balance was paid to zero a couple months ago I dont want to close this since it is my first credit card but I want to upgrade to the cash rewards card instead of the student since I am not a student and there are no benefits on this card anymore since my missed payments and my interest rate sky-rocketed...I applied for the cash rewards card but got denied about a week ago. Does anyone know who I can call or if it even possible to upgrade cards with them? Would I have to do a recon? If it is going to restart my card opened date then I dont want to do it because my AAoA will go way down


I would call them and see what they have to offer. You are a good customer; they know that. Smiley Happy

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