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FINALLY - BofA Product Change!!

Mr_Mojo_Risin
Senior Contributor

Re: FINALLY - BofA Product Change!!

Congratulations! This is some good news for you, enjoy that success!

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 11 of 19
GrandBay
Frequent Contributor

Re: FINALLY - BofA Product Change!!

Message 12 of 19
BuildingBetterCredit2020
Valued Member

Re: FINALLY - BofA Product Change!!

The CSR didn't indicate whether it would remain a MasterCard or Visa. I was just happy enough it went through and wasn't about to ask. I'll definitely update the thread when the card comes. 


July 2021

Message 13 of 19
FalconSteve
Established Contributor

Re: FINALLY - BofA Product Change!!

Congrats on your PC and the CLI

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
Credit Scores for both of us around 800, depending on what you pull & balances

All PIF, frequently before statement close
Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback), Chase Freedom flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge, my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card,Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 14 of 19
BuildingBetterCredit2020
Valued Member

Re: FINALLY - BofA Product Change!!

To answer BearsCubsOtters question a few replies back, just confirmed today by logging in that the card will remain with the MasterCard network.


July 2021

Message 15 of 19
LawStudentCivilis
Established Contributor

Re: FINALLY - BofA Product Change!!


@BearsCubsOtters wrote:

Congrats.

 

So you changed to the Cash Rewards? Will it stay a Mastercard? 

 

The last time I PC'ed with BofA was many years ago and it took nearly 2 months for the change to be complete. Very strange. Please let us know if that is still the case. 


Congratulations on your success OP!  @BearsCubsOtters I PC the cash rewards mastercard to visa sometime in 2020 and I want to say it took a solid month before I received the card.  If not a little longer.

Message 16 of 19
BuildingBetterCredit2020
Valued Member

Re: FINALLY - BofA Product Change!!

I wonder why they didn't change it over to Visa. I gather I'd have to have explicitly asked. I wasn't going to "poke the bear" anymore by asking for a payment network switch,  lest they somehow say there would then be a problem getting a PC. Is there really a difference anymore between the two networks nowadays anyway?


July 2021

Message 17 of 19
Sandman771
Valued Contributor

Re: FINALLY - BofA Product Change!!

Congrats on your PC. Nice work!

Starting Score: EQ497/TU496/EX 499
Currently: EQ611 TU637 EX 599


in the garden since 6/16/2021
Message 18 of 19
LawStudentCivilis
Established Contributor

Re: FINALLY - BofA Product Change!!


@BuildingBetterCredit2020 wrote:

I wonder why they didn't change it over to Visa. I gather I'd have to have explicitly asked. I wasn't going to "poke the bear" anymore by asking for a payment network switch,  lest they somehow say there would then be a problem getting a PC. Is there really a difference anymore between the two networks nowadays anyway?


I only PC'd to get the 2% back at Costco.  That was my motivator.

Message 19 of 19
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