Any Success converting BOA Secured to 123 Rewards Secured?

[tbque]

Has anyone had any success converting a regular BOA secured card to a 123 Rewards secured card?

[Anonymous]

I don't think they would do tha, but it does not hurt to ask.  They will say if they can offer you the cash rewards 99/500 card.  It will be another hard pull for that though. 

[tbque]

Ok thanks. Don't want to apply again and take another HP. I had to Recon the standard BOA secured card. I'll just keep what I have and count myself lucky I got back in with them.

[newhis]

I did change the regular secured to 123 cash rewards secured by chat. This was over a year ago.

Lately there are reports that chat doesn't work for it. I guess it all depends who answers the chat. You can try a couple of times by chat, if not call. You may need to call a couple of times. It is worth it. I was able to get more cash back than the AF so it was worth it. Good luck.

[tbque]

Thanks newhis very helpful information. I'll definitely try what you recommend. How long did you have the regular secured before you converted to 123 cash rewards just curious?

[newhis]

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@tbque wrote:
Thanks newhis very helpful information. I'll definitely try what you recommend. How long did you have the regular secured before you converted to 123 cash rewards just curious?

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I did the chat before I got the card. As soon as I created my online account and saw that it was the regular secured and not the cash secured like my DW got one month before.

[gibeon]

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@tbque wrote:
Has anyone had any success converting a regular BOA secured card to a 123 Rewards secured card?

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I converted my secured to 123 cash secured in the last couple months by calling the backdoor number listed in the backdoor numbers thread.

It took about a week or so after activation for the change to take place, then another week or two to get the cash rewards card.

[tbque]

Thanks gibeon that's good to know. I'm going to try the backdoor number and chat, hopefully one of them will workout for me.

[tbque]

Okay gibeon I called BOA and they said I would need to have atleast $500 on my current basic secured card. I only have $300. The CSR indicated I can add more money to mine but it would entail a HP. Was this the case for you or did you already have $500 on yours?

[gibeon]

I only have $300.

I called them after they took the cash from my account, but before I got an "official approval."

From what I've read some folks have no issue, and some have to call in a couple times to get different CSRs.

When I called, I told them that "my friend" told me to ask for the rewards version of the secured card, because they (the CSRs) could switch it for me.

I did have BofA accounts (checking and savings in the past), but only had a Merrill Lynch account when I apped for the secured and switched to the Secured with Rewards. I did app directly for the secured card though.

I have not read anywhere before that someone would need a $500 minimum. That is news to me, and may very well be a new requirement.

I would try calling again and speaking with a different customer service rep.