topic Re: BofA PC not possible? in Credit Cards

BofA PC not possible?

MrCreditInternational — Sun, 03 May 2020 17:09:12 GMT

So I've been trying to call BofA and change my cash rewards MC to a travel rewards visa. The phone CSR kept telling me that it's not possible for now and I'll need to call later. Today I called and they told me it's actually impossible to change my card to a travel rewards because the travel rewards has no FTF while mine has, and the only possible way for me is to apply for a new travel rewards.

I wanted to ask if anyone was able to PC from a BofA card with FTF to one without FTF. The cash rewards has been useless for me and I can't even get a CLI even though it's 18 months now since I opened it.

Re: BofA PC not possible?

kdm31091 — Sun, 03 May 2020 19:39:31 GMT

Unless there's been a policy change the PC you describe should be no problem.

Unfortunately, achieving a product change with BoA typically requires persistence and hanging up and calling again sometimes several times before you get a rep who can process the request.

Re: BofA PC not possible?

Namaste7 — Sun, 03 May 2020 19:54:19 GMT

PCs are not always guaranteed on the 1st, 2nd or 3rd request. The HUCA method may be required. IME and research, PCs are most successful when the cardholder has Preferred Reward status or uses the card heavily.

Re: BofA PC not possible?

imaximous — Sun, 03 May 2020 20:49:08 GMT

I also agree that you must've come across CSRs that are unwilling to help or don't know how to do it. I'd keep calling or ask for a supervisor.

There's also a possibility that certain things may be on hold due to current events. I've noticed that my CLI links and offers have disappeared from my accounts, so they may be focusing on more pressing issues at the moment.

Re: BofA PC not possible?

Cory88 — Sun, 03 May 2020 21:26:48 GMT

@MrCreditInternational wrote:
So I've been trying to call BofA and change my cash rewards MC to a travel rewards visa. The phone CSR kept telling me that it's not possible for now and I'll need to call later. Today I called and they told me it's actually impossible to change my card to a travel rewards because the travel rewards has no FTF while mine has, and the only possible way for me is to apply for a new travel rewards.

I wanted to ask if anyone was able to PC from a BofA card with FTF to one without FTF. The cash rewards has been useless for me and I can't even get a CLI even though it's 18 months now since I opened it.

I think the days of PC with BOA is long gone. I have had mine since 2009 and had done a lot of PC over the years now it's the Amtrak NO AF card and can't PC it but you never know I was able to PC my Citi simplicity one day to Double Cash even thought I was told it could never me done but was done. BOA now all they want to do is for you to apply for a new account, but good luck you never know.

Re: BofA PC not possible?

BearsCubsOtters — Mon, 04 May 2020 00:17:22 GMT

@MrCreditInternational wrote:
So I've been trying to call BofA and change my cash rewards MC to a travel rewards visa. The phone CSR kept telling me that it's not possible for now and I'll need to call later. Today I called and they told me it's actually impossible to change my card to a travel rewards because the travel rewards has no FTF while mine has, and the only possible way for me is to apply for a new travel rewards.

I wanted to ask if anyone was able to PC from a BofA card with FTF to one without FTF. The cash rewards has been useless for me and I can't even get a CLI even though it's 18 months now since I opened it.

Strange. I could see not allowing to PC to a co-branded card or to one no longer available (Better Balance Rewards) but this is the first I have read about proprietary cards not being allowed. I have PC'ed my BofA cards many times, on the first request. BofA PC's do take over a month to be completed but that is beside the point. As others have said, hang up and call again. It may even be prudent to contact BofA through Twitter or Facebook, asking them to contact you. Social Media reps usually are the cream of the crop and are better able to assist.

Re: BofA PC not possible?

Sharingan — Mon, 04 May 2020 01:05:08 GMT

It wasn't a FTF to no-FTF conversion, but I was able to PC my BoA Premium Rewards card to the Cash Rewards card back in January without any difficulty, which was supposedly one of the more troublesome PCs to achieve for BoA's in-house offerings.

I agree with an earlier poster that it's possible BoA is prioritizing more urgent customer requests at this time, as I do recall that the CSR emphasized a few times that PC requests had to be reviewed for approval.

Re: BofA PC not possible?

Peteyglad — Mon, 04 May 2020 01:23:47 GMT

I know when I closed my Preferred Rewards card a couple months ago they asked if I wanted to product change it instead of closing it. I wasn't interested so I am not sure what cards I could have changed it to. I ultimately just closed it out anyway. I was speaking with a rep stationed in their Belfast, Maine call center if that offers any relevant data point.

Re: BofA PC not possible?

AverageJoesCredit — Mon, 04 May 2020 13:32:46 GMT

If pc not possible, maybe just app for it.

Re: BofA PC not possible?

GmbH — Mon, 04 May 2020 14:30:11 GMT

I did product change with BofA on three occasions, twice in branch and once by phone and without a glitch every time. I will add that the product changes were between non co-branded cards.

Re: BofA PC not possible?

Trikoret — Mon, 04 May 2020 16:33:31 GMT

I also did a PC for my wife BofA premium card to cash card. They even offered to PC the travel card too since I told them the 2500 per quarter is not enough. They probably freezing minor requests since it's a 2 week process. No idea why takes BofA forever for these kind of things. Amex and Chase do PC the same day.

Re: BofA PC not possible?

MrCreditInternational — Mon, 04 May 2020 21:39:42 GMT

I wish I could apply for a new card to get the bonus, but I have far too many inquiries and new accounts.

Thanks everyone! I'll call again soon

Re: BofA PC not possible?

K-in-Boston — Tue, 05 May 2020 01:56:50 GMT

@MrCreditInternational wrote:
So I've been trying to call BofA and change my cash rewards MC to a travel rewards visa. The phone CSR kept telling me that it's not possible for now and I'll need to call later. Today I called and they told me it's actually impossible to change my card to a travel rewards because the travel rewards has no FTF while mine has, and the only possible way for me is to apply for a new travel rewards.

I wanted to ask if anyone was able to PC from a BofA card with FTF to one without FTF. The cash rewards has been useless for me and I can't even get a CLI even though it's 18 months now since I opened it.

My Travel Rewards card was a PC from a BankAmericard (previously some MBNA card that BOA acquired) that had FTFs. Unfortunately, it sometimes takes a few HUCA to get a PC done with BOA as not all CSRs know how to do it. And it usually takes a few weeks. Keep trying and you'll get it accomplished.

Re: BofA PC not possible?

SouthernCredit — Tue, 05 May 2020 05:26:02 GMT

PCd my BofA BankAmericard (with FTF) to a CashRewards Card with a single phone call. Rep was very helpful, no resistance. Only hitch was they would not change payment networks - BankAmericard was a MC, CashRewards a Visa. So I received a WMC CashRewards, as opposed to the standard Visa Signature.

Re: BofA PC not possible?

FieryDance — Wed, 06 May 2020 18:37:35 GMT

@K-in-Boston wrote:
@MrCreditInternational wrote:
So I've been trying to call BofA and change my cash rewards MC to a travel rewards visa. The phone CSR kept telling me that it's not possible for now and I'll need to call later. Today I called and they told me it's actually impossible to change my card to a travel rewards because the travel rewards has no FTF while mine has, and the only possible way for me is to apply for a new travel rewards.

I wanted to ask if anyone was able to PC from a BofA card with FTF to one without FTF. The cash rewards has been useless for me and I can't even get a CLI even though it's 18 months now since I opened it.
My Travel Rewards card was a PC from a BankAmericard (previously some MBNA card that BOA acquired) that had FTFs. Unfortunately, it sometimes takes a few HUCA to get a PC done with BOA as not all CSRs know how to do it. And it usually takes a few weeks. Keep trying and you'll get it accomplished.

Totally agree.

BoA is all over the places when it comes to PC. After 3 tries I was able to PC a 5 month-old CO-BRANDED card with AF (the $79 Amtrak) to a CR. If that PC was possible just about anything is as long as it complies with Card Act and other hard legal terms.

To OP, HUCA and good luck!