Re: Don't Apply For That New Card! Ask for a CrossGrade
07-04-2012 11:07 AM
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!
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?
Navy Flagship Visa, American Express Blue Cash Preferred, American Express Costco, Macy's American Express
~Cards in My name kept Active:
3 Target Cards, Cap1, Best Buy MC, Kays, Von Maur, FNBO Secured
~Cards in Holding AU or Joint: 2 Discover it, Chase Freedom, Bank of America, Navy Federal Cash, Wells Business Credit Card, USAirways Business Card, AA Business Card, Best Buy Store, SAKS, Bloomingdales... I'm sure I'm forgetting something in my car!