Product change advice needed.

[asanch12]

hi all,

i had the accelerated points Amex, but since i already had 2 amex cards i decided to change to one of their visas.  so i was allowed to do it.  Now i have the bankamericard cash rewards signature. The problem is that it doesnt report a credit limit.  does anyone know which BofA cards do? i want to product change again.

thank you!

[bobebob]

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asanch12 wrote:

hi all,

i had the accelerated points Amex, but since i already had 2 amex cards i decided to change to one of their visas.  so i was allowed to do it.  Now i have the bankamericard cash rewards signature. The problem is that it doesnt report a credit limit.  does anyone know which BofA cards do? i want to product change again.

thank you!

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When I called BoA to complain about the lack of CL reporting, the CSR said the only way was to switch to the Platinum Visa Card.  They said it would be a new card/account.

This is common with the Visa Signature cards, but differs from company to company in how they report CL.  From what I can see on my EQ at least is that the highest reported balance becomes the CL for purposes of Util.

[CreditMuppet]

My understanding is that for accounts with a CL over $5000 BOA issues the 'signature' version of the card, you will need to try PC that card to the Platinum version if you want the CL to report.  I dont see why they wouldnt let you do that.

For what its worth I have recently PC'd to the BankAmericard Cash rewards and may well end up in the same situation.  I assume your CL was over $5k right?

[asanch12]

yeah that kinda sucks, thanks!

[asanch12]

Yes, its over 5k.   im going to call and see what they say

[flyingmd]

My BoA accelerated rewards AMEX (22K) reports the credit line and my BoA Power Rewards VISA (12K) reports the limit.