topic Re: BOA PC in Credit Cards

BOA PC

JWest — Sat, 26 Apr 2014 22:17:44 GMT

I got my boa platinum plus visa converted to the better balance rewards card. Does it really take 4 weeks to convert and receive the card?

Re: BOA PC

BigBS — Sat, 26 Apr 2014 22:36:15 GMT

I just had my Cash Rewards VS converted to a BBR on 3 Apr and just received my new card yesterday (26 Apr). Not quite 4 weeks, but more than 3 to get it in my hands even though I was told it could take less (at least 10 days).

Re: BOA PC

Kenny — Sat, 26 Apr 2014 22:37:48 GMT

A PC has always taken 2-5 weeks for me with BoA.

Re: BOA PC

salek10 — Sun, 27 Apr 2014 00:06:51 GMT

@BigBS wrote:
I just had my Cash Rewards VS converted to a BBR on 3 Apr and just received my new card yesterday (26 Apr). Not quite 4 weeks, but more than 3 to get it in my hands even though I was told it could take less (at least 10 days).

hello BigBS, does your BBR show up on your online banking as "BetterBalance Rewards"? is does your card say "betterbalance?... The reason I ask is cuz I had PC'd mine like 4 weeks ago and i just recieved my card but it is the same "platinum visa" just with a new expiration date, but it even has the same account number as the card I wanted to change... thanks

Re: BOA PC

Anonymous — Sun, 27 Apr 2014 00:51:49 GMT

your old card was probably close to expiring and thats a re-issue. you'll get another card that looks different along with the reward info details. looks like a coincedence that happened at the same time

Re: BOA PC

salek10 — Sun, 27 Apr 2014 00:53:24 GMT

@Anonymous wrote:
your old card was probably close to expiring and thats a re-issue. you'll get another card that looks different along with the reward info details. looks like a coincedence that happened at the same time

Thanks zeedaay!!

Re: BOA PC

BigBS — Sun, 27 Apr 2014 01:35:45 GMT

@salek10 wrote:
@BigBS wrote:
I just had my Cash Rewards VS converted to a BBR on 3 Apr and just received my new card yesterday (26 Apr). Not quite 4 weeks, but more than 3 to get it in my hands even though I was told it could take less (at least 10 days).
hello BigBS, does your BBR show up on your online banking as "BetterBalance Rewards"? is does your card say "betterbalance?... The reason I ask is cuz I had PC'd mine like 4 weeks ago and i just recieved my card but it is the same "platinum visa" just with a new expiration date, but it even has the same account number as the card I wanted to change... thanks

My card says 'Better Balance Rewards' and says the same with my online banking.

Re: BOA PC

Jlu — Sun, 27 Apr 2014 02:15:27 GMT

Since OP's topic has been answered -

For someone who rarely uses their 1-2-3 and always PIF's anyways, would the BBR award me $25 per quarter for any quarter I use it and PIF? That seems like I'd be getting $100/year guaranteed v.s. 3%/2%/1% on the little amount of spending I put on the card.

Re: BOA PC

Anonymous — Sun, 27 Apr 2014 02:41:11 GMT

If you spend more than $500 per month on gas and groceries then you accrue more then the $25/quarter bonus you'd get with BBR

Re: BOA PC

gh17 — Sun, 27 Apr 2014 02:45:57 GMT

I had a college alumni card converted to one with 3-2-1 cash back. Well technically it's still an alumni Mastercard but it has the cash back rewards now. But it took more than three months to get the card. To be fair, I did this via online chat and I don't think the rep really knew what he was doing, and then I think they forgot about it and I had to go back on and remind them more than once. But eventually it came. No credit pull and it still has the date of the original card.

Re: BOA PC

JWest — Sun, 27 Apr 2014 10:49:41 GMT

Thanks for the answer one last thing since I've only had my secured card for 5 months and got it converted, do you think its to early to request an increase?

Re: BOA PC

BigBS — Sun, 27 Apr 2014 14:05:24 GMT

@Jlu wrote:
Since OP's topic has been answered -

For someone who rarely uses their 1-2-3 and always PIF's anyways, would the BBR award me $25 per quarter for any quarter I use it and PIF? That seems like I'd be getting $100/year guaranteed v.s. 3%/2%/1% on the little amount of spending I put on the card.

As long as you have a balance each month and pay more than the minimum payment (on-time) you will receive the $25 per quarter. If you have a BoA qualifying account you would get an additional $5 per quarter (total $120 per year).

Re: BOA PC

Anonymous — Sun, 27 Apr 2014 15:24:54 GMT

@JWest wrote:
Thanks for the answer one last thing since I've only had my secured card for 5 months and got it converted, do you think its to early to request an increase?

if you have a secured card you'd have to wait until the card "graduates" and becomes unsecured before elegibility for an increase

Re: BOA PC

JWest — Sun, 27 Apr 2014 15:42:14 GMT

But they just allowed me to convert it to the better balance rewards card, so its still secured even after being converted?

Re: BOA PC

Anonymous — Sun, 27 Apr 2014 15:52:23 GMT

I believe so. As far as I know there isn't a way to pc out of a secured card. If you get a refund of the original deposit you made when opening the account in the next month and it hasn't been a year since you opened the account then you beat the system lol. You can always call customer service and verify.

Re: BOA PC

Lin55 — Sun, 27 Apr 2014 15:54:29 GMT

Took about 3 weeks to PC mine.

Re: BOA PC

JWest — Sun, 27 Apr 2014 16:05:46 GMT

The crazy part is I've never had to send in a security deposit when I first applied

Re: BOA PC

Anonymous — Sun, 27 Apr 2014 16:10:15 GMT

Did you list a checking account when applying for the card or do you have a checking account with BoA?

Re: BOA PC

JWest — Sun, 27 Apr 2014 16:17:40 GMT

I just recently opened it a month ago maybe but didn't have one when applying you see I applied for a regular card but got this counter offer but it never asked for a deposit

Re: BOA PC

Anonymous — Sun, 27 Apr 2014 16:27:51 GMT

Hmm that's interesting. Usually when you accept a secured card, the reason why its secured is there is a sum of money equal to your credit line that's used as collateral incase you don't pay. If your credit line is $300 then that $300 should be missing from one of your deposit accounts. If it isn't then you might just have a regular card with a low credit line. If either of these scenarios is not the case then I have no idea what you have lol.