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BOA card upgrade: How can I keep the same credit number?

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TyrannicalDuncery3
Regular Contributor

BOA card upgrade: How can I keep the same credit number?

  • I'm planning to upgrade my Bank of America personal credit card. I'm approved to do it and all that.
  • I want to keep my same credit card number after the upgrade.
  • Do you have any tricks to improve my chances of keepin my same card number? 

I think it's impossible to guarantee that I will keep the same card number. Customer service said that there is about a 50/50 chance and there is no way to control or predict whether the card number will change.

 

I know that there are other types of workarounds to handle the card number change, some merchants will auto-update, etc. But I just really really really really really don't want to deal with that. I have my reasons. Smiley Wink

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Message 1 of 10
9 REPLIES 9
UncleB
Credit Mentor

Re: BOA card upgrade: How can I keep the same credit number?


@TyrannicalDuncery3 wrote:

But I just really really really really really don't want to deal with that. I have my reasons. Smiley Wink


Honestly if keeping the same number is that important I simply woudn't risk it. ¯\_(ツ)_/¯

Message 2 of 10
Copenix
Contributor

Re: BOA card upgrade: How can I keep the same credit number?

I agree with @UncleB above- but I sucessfully PC'd a BoA TR to a UCR in February - and kept the same card number. The CVC and Expiry Date changed obviously.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $91.2K | Utilization 0.9%

FICO 8s June 2025


Message 3 of 10
coldfusion
Credit Mentor

Re: BOA card upgrade: How can I keep the same credit number?

Hasn't been a problem for me so far with PCs as the payment network has been the same for the old and new cards but there will definitely be a change if the payment network changes as part of the product change i.e. Visa -> Mastercard or Mastercard -> Visa,  as the 1st digit of the card # indicates which payment network the card uses (Mastercard == 5,  Visa == 4).

(5/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 10
Thomas_Thumb
Senior Contributor

Re: BOA card upgrade: How can I keep the same credit number?

Go for the upgrade if it has value to you. Don't get attached to numbers.

 

I used to care about card numbers. However, I had fraudulent charges on my Discover, AMEX and AT&T (Citi) Mastercard. Fixing the issue required number changes. 

 

 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 5 of 10
TyrannicalDuncery3
Regular Contributor

Re: BOA card upgrade: How can I keep the same credit number?

Thanks @coldfusion ! Have you ever tried P/Cs between "levels" of a payment network, e.g. Visa Signature vs. Infinite?

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Message 6 of 10
coldfusion
Credit Mentor

Re: BOA card upgrade: How can I keep the same credit number?


@TyrannicalDuncery3 wrote:

Thanks @coldfusion ! Have you ever tried P/Cs between "levels" of a payment network, e.g. Visa Signature vs. Infinite?


Not with BoA (i.e. haven't done a Premium Rewards-> Premium Rewards Elite PC) but I have with Chase with CSP-> CSR and when they converted all UA Club cards from Visa Signature to Visa Infinite.   Expiry date and CVV changed but in both cases the 16 digit account # remained unchanged. 

(5/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 7 of 10
ktm
Established Member

Re: BOA card upgrade: How can I keep the same credit number?

When I did a BoA PC, from BankAmericard to Customized Cash Rewards, it upgraded from Mastercard to World Mastercard - and the number didn't change.

18Jun25 Exp F8: 822
Message 8 of 10
zerofire
Valued Contributor

Re: BOA card upgrade: How can I keep the same credit number?

As long as you stay on the same network you can keep the card number. Bank of America has MasterCard and Visa versions of most of their core cards and you can switch between them by your choice or the banks. Also some cards come in AmEx versions. My first CC with BoA was a MasterCard and then they changed it to a Visa. The BoA system is almost as flexible as Chase's and in the case of networks it is even more so.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Savor WEMC, Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC(Suspended), Discover It DC, FNBO Ducks Unlimited VSC, GBank VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Pick n Save/Metro Market WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 9 of 10
kremonis
Frequent Contributor

Re: BOA card upgrade: How can I keep the same credit number?

@TyrannicalDuncery3 

Is the reason that you want to keep your number the same because your real name is "Jenny" and the last 7 digits of your credit card number are 8675309?

Message 10 of 10
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