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BoA Visa Signature?

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Frequent Contributor

BoA Visa Signature?

Hello!

 

I was recently approved for a CLI from 3.7K to 10K on my BoA Travel Rewards card. Does anyone have any experience with trying to get BoA to upgrade the card from a Visa to a Visa Signature? It's my daily driver and my favorite card. Who should I contact to upgrade, and is it likely they'll do it?

 

Any and all help is appreciated.

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 1 of 14
13 REPLIES 13
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Senior Contributor

Re: BoA Visa Signature?

You can call and ask, chances are its now a Signature version, or you can just request a "replacement card" which would probably come in as a Signature. That said, there really is no feature benefit of a Signature or World Elite MC for most people - almost all my cards are Signatures or "world" with one a WEMC - I've yet to ever use any so called benefit (note that I no longer air travel much).

 

My BoA Cash Rewards card started in 2016 at $2k, went to $10k, then $15k and I've still got the original non-signature card. My BoA travel Rewards vcard started at $15k and is now $25k and is the Signature version - all the same to me. 

Message 2 of 14
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Frequent Contributor

Re: BoA Visa Signature?

Understood. If it doesn't cost me anything I'd like to get it upgraded anyhow. Maybe as a subtle reminder of how far I've come in my credit rebuilding journey. 

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 3 of 14
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Moderator

Re: BoA Visa Signature?

You can call them and ask them to change it to a Visa Signature product, but it will likely take about 4-6 weeks before you receive the new one.  I also like the VS and WEMC when they're options, but I have a few very high limit cards that are neither.

Message 4 of 14
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Frequent Contributor

Re: BoA Visa Signature?

I just called ML and they told me it was issued as a Visa Platinum when my CLI occurred. Is that better?

 

EDIT: I had looked around the web and could barely find anything on it. It looks like it almost doesn't exist anymore.

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 5 of 14
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Valued Contributor

Re: BoA Visa Signature?

It really doesn't matter.  I used to care about whether my MC was World or World Elite, but after looking up card benefits for various products I found that the banks determine what benefits each product will come with and the association label is pretty much meaningless.

 

I would only be concerned if BoA offered a different set of benefits for VPlat vs. VSig.  I can't seem to find the terms for either on their site.

Message 6 of 14
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Frequent Contributor

Re: BoA Visa Signature?

Gotcha. Just curious.

 

Thanks for your reply!

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 7 of 14
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Valued Member

Re: BoA Visa Signature?

(Hand Raised) I have!!  Within the past two months.  So I had the Travel Rewards credit card from BOA with a cli of $2700.  I requested a credit increase of $10,000 and they countered me with $6700 so I then requested a recon for $8000 and they approved my reqeust.  I then did a product change to the cash rewards.  Then I thought to myself, hey, I'm way over the limit of getting a Visa Sig.  So I called in and requested to be changed to a signature.  Rep sent reqquest.  I got an email a few days  later that request was approved then they sent out my new card.  BOA is good to you if you're good to them.  



Seedling till 5/15/19
Message 8 of 14
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Established Contributor

Re: BoA Visa Signature?


@cmm89 wrote:

I just called ML and they told me it was issued as a Visa Platinum when my CLI occurred. Is that better?

 

EDIT: I had looked around the web and could barely find anything on it. It looks like it almost doesn't exist anymore.


So they didn't grant your request for a visa signature? They should definitely be able to. The Visa Platinum is the basic version, I believe for Bofa (read it in their terms and condition) that if your limit is over 5k you get a visa signature. You should call back and talk to someone else to upgrade you. 

Message 9 of 14
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Frequent Contributor

Re: BoA Visa Signature?

The Rep with ML that I just spoke to said the Platinum was better than the Sig. She said she'd overnight the new card with all the same info.
In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 10 of 14
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