topic Re: BOA product change (on ancient card) in Credit Cards

BOA product change (on ancient card)

Anonymous — Wed, 01 Jul 2020 01:20:28 GMT

I have an ancient BOA card. It is currently listed as:

BankAmericard Rewards Visa Signature

Despite the great interest rate, I have no real use for the card. Can it be product changed to the BOA Travel Rewards card?

Do BOA product changes have any caveats, such as losing the account history?

Re: BOA product change (on ancient card)

coldfusion — Wed, 01 Jul 2020 01:33:23 GMT

@Anonymous wrote:
I have an ancient BOA card. It is currently listed as:

BankAmericard Rewards Visa Signature

Despite the great interest rate, I have no real use for the card. Can it be product changed to the BOA Travel Rewards card?

Do BOA product changes have any caveats, such as losing the account history?

You'd be looking to change from a core card to a core card, so it shouldn't be a problem. You don't lose the history either.

The only real PITA is that they're slow as molasses to complete the actual cutover and get you a new card, usually 3-4 weeks.

Re: BOA product change (on ancient card)

Anonymous — Wed, 01 Jul 2020 02:08:53 GMT

No dice. Front line rep initially said yes but then said it showed as not eligible. The rep said she would transfer me to a different team. I ended up at a voice menu that appeared to handle new card applications. Hmm.

Re: BOA product change (on ancient card)

Harvey26 — Wed, 01 Jul 2020 02:10:51 GMT

@Anonymous wrote:
No dice. Front line rep initially said yes but then said it showed as not eligible. The rep said she would transfer me to a different team. I ended up at a voice menu that appeared to handle new card applications. Hmm.

It can be done! Ask for a supervisior. Be persistent

Re: BOA product change (on ancient card)

Curious_George2 — Wed, 01 Jul 2020 02:18:21 GMT

Are you me? I'm in exactly the same situation. I'm trying to PC mine to Cash Rewards, but that's not a meaningful difference. I stumbled across a team of specialists who are more knowledgeable than the regular CSRs. One of them advised me the best way to trigger their system to make my card eligible for PC is to stop using it for a while. I'm doing that and calling back every month to check on status.

Re: BOA product change (on ancient card)

K-in-Boston — Wed, 01 Jul 2020 02:20:36 GMT

Was this previously an MBNA card? With BoA their CSRs rarely know how to do a product change. It CAN be done, you just have to hang up and call again. Maybe a few agains.

Account history definitely remains, just the rewards change. And the card itself, when it eventually arrives.

Re: BOA product change (on ancient card)

coldfusion — Wed, 01 Jul 2020 02:23:13 GMT

@Anonymous wrote:
No dice. Front line rep initially said yes but then said it showed as not eligible. The rep said she would transfer me to a different team. I ended up at a voice menu that appeared to handle new card applications. Hmm.

Push back. They should be willing to accomodate particularly since you're looking to convert from an obsolete to a current card. There may need to be some APR-related tweaking but that isn't insurmountable either.

Re: BOA product change (on ancient card)

Anonymous — Wed, 01 Jul 2020 02:34:08 GMT

Thanks all.

I think this was the one that used to be an MBNA card. I'll bother them about it again.

Re: BOA product change (on ancient card)

Curious_George2 — Wed, 01 Jul 2020 03:37:42 GMT

Feels like I'm on shaky ground if I'm disagreeing with the esteemed @K-in-Boston and @coldfusion, but their comments do not match my experience with this card and this process. The reps I have spoken with have been very knowledgeable about product changes, and eager to do one for me... right up until they discover that this particular card is not eligible in their system at the moment. Same thing has happened four times. They offer to PC my Travel Rewards (which is eligible) but I don't want to do that.

Re: BOA product change (on ancient card)

Anonymous — Wed, 01 Jul 2020 13:49:32 GMT

I tried 2 more reps and a special number today. Still no dice.

Re: BOA product change (on ancient card)

FieryDance — Fri, 03 Jul 2020 07:07:36 GMT

@Curious_George2 wrote:
Are you me? I'm in exactly the same situation. I'm trying to PC mine to Cash Rewards, but that's not a meaningful difference. I stumbled across a team of specialists who are more knowledgeable than the regular CSRs. One of them advised me the best way to trigger their system to make my card eligible for PC is to stop using it for a while. I'm doing that and calling back every month to check on status.

This is very interesting.

I myself managed to PC 2 BoA cards to Cash Rewards. Each PC took several HUCAs over a period of several months and by the time I was successful with each attempt the card had indeed been sitting untouched for months.

So the highlighted part may very well be one of the factors contributing to the "inconsistency" of BoA PC.

Re: BOA product change (on ancient card)

Curious_George2 — Fri, 03 Jul 2020 18:44:53 GMT

@FieryDance wrote:
@Curious_George2 wrote:
Are you me? I'm in exactly the same situation. I'm trying to PC mine to Cash Rewards, but that's not a meaningful difference. I stumbled across a team of specialists who are more knowledgeable than the regular CSRs. One of them advised me the best way to trigger their system to make my card eligible for PC is to stop using it for a while. I'm doing that and calling back every month to check on status.
This is very interesting.

I myself managed to PC 2 BoA cards to Cash Rewards. Each PC took several HUCAs over a period of several months and by the time I was successful with each attempt the card had indeed been sitting untouched for months.

So the highlighted part may very well be one of the factors contributing to the "inconsistency" of BoA PC.

Thanks for sharing that info. Gives me some hope.

I have another tidbit of info, but not sure how reliable it is. I called them today and spoke with another person on the specialist team (which I learned is called "Advanced Client Services"). I asked if new PC eligibilities are likely to appear on the first day of a calendar month. He said he hadn't noticed such a pattern, and in fact he didn't recall seeing any new PC offers showing up in about the last six months.

Re: BOA product change (on ancient card)

mxp114 — Fri, 03 Jul 2020 19:09:12 GMT

@FieryDance wrote:
@Curious_George2 wrote:
Are you me? I'm in exactly the same situation. I'm trying to PC mine to Cash Rewards, but that's not a meaningful difference. I stumbled across a team of specialists who are more knowledgeable than the regular CSRs. One of them advised me the best way to trigger their system to make my card eligible for PC is to stop using it for a while. I'm doing that and calling back every month to check on status.
This is very interesting.

I myself managed to PC 2 BoA cards to Cash Rewards. Each PC took several HUCAs over a period of several months and by the time I was successful with each attempt the card had indeed been sitting untouched for months.

So the highlighted part may very well be one of the factors contributing to the "inconsistency" of BoA PC.

It could be that the card wasn't eligible for PC during your requests and several months later it became eligible. I ran into that issue with my BoA American Express card.