Vattené wrote:Are you willing to part with the card if it can't be PC'd? If so, I would just give them an ultimatum. Perhaps further down the road (after giving the card absolutely none of your spending) you could find a backdoor number, come back hard, and basically say, "Listen - I am not interested in a new account, so I will not be applying for a new card regardless. My current card is useless to me, which is why I have been using alternatives to make purchases. If I could PC this card I could use the account, but I have no interest in opening a new one." Of course, you'd have to be willing to accept the consequences.
Yea. I've thought about that. Right now, that's not happening. After I have a mortgage and whatever else I need, it probably will. The card only really lost the heavy spending in the last two years. Before that I was probably putting 10-20K a year on it. Right now I have a monthly automatic billing item on there for $19.99. That is pretty much all they get with very very very rare exception.
I would say ultimately, I will probably leave the account opened, but, as you said, I'm not applying for another card for them and they currently get basically zero spending. If they came out with a card with excellent reward and benefits etc etc, I would have to seriously evaluate my willingness to do further business with them given their inflexibility.
**some other BoA info, I have also had a checking account with them since 2005 or 2006 and used that as my primary account up until about the last 3-6 months where I mixed accounts and have now basically moved on. Basically a similar scenario where I feel like one of their livestock, which is probably actually giving them more credit than they're due.
I do appreciate all the thoughtful responses, but it seems, as usual, YMMV and I'm not sure I have the patience to even have the conversation with them to likely only be told to eat shit...
Again, thanks for all the thoughtful responses and more are certainly welcome.