BoA PC

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Tubpbs
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BoA PC

Postby Tubpbs » Tue Nov 03, 2015 2:56 pm

Has anyone on here successfully done a PC with Bank of America?

I have asked several different reps, several different ways and in several different circumstances and over long periods of time...they have all refused.

I explained to them that the card I have is useless to me (and, thus, I won't and don't use it much) but their only response was to suggest I apply for a new card, which I explained I was not interested in...I would appreciate changing to the Better Balance Reward card...but I don't think they're gonna let me.

Let me know any similar (or hopefully different) experiences. Thanks all.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It


Vermonster
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Re: BoA PC

Postby Vermonster » Tue Nov 03, 2015 7:35 pm

I think I mentioned elsewhere but I can repeat it here.

My dad had a BoA Americard for probably 30+ years. It was his second card, after the JCP store card (apparantly the best way to start with credit in the 70s). He knew that credit cards now offered rewards, points, and cash back, but was unaware what cards did, and how they could be used. After seeing an ad for the 3-2-1 card he called and asked to have the "new card" as he put it. He was told that the only way would be to close his current card and apply for a new one. Luckily he didn't as loosing his oldest credit card would have been awful. After fighting with a few different CSRs he gave up. A week later he received a brand new Cash Rewards card.

Now in his case I would assume the old card expired so they updated him to the new Cash Rewards card at the same time. That being said, good luck with a PC. It sounds like a pain.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

kdm31091
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Re: BoA PC

Postby kdm31091 » Wed Nov 04, 2015 7:21 am

You can PC to a Cash Rewards or a Travel Rewards, or even technically the plain Bank Americard if you want, but you can't do the BBR. Unfortunately, PCs to the BBR were halted because people would get a Cash Rewards, collect the bonus, and then PC to the BBR. As with every loophole, it eventually got closed and now nobody can PC to the BBR.

Tubpbs
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Re: BoA PC

Postby Tubpbs » Wed Nov 04, 2015 8:39 am

kdm31091 wrote:You can PC to a Cash Rewards or a Travel Rewards, or even technically the plain Bank Americard if you want, but you can't do the BBR. Unfortunately, PCs to the BBR were halted because people would get a Cash Rewards, collect the bonus, and then PC to the BBR. As with every loophole, it eventually got closed and now nobody can PC to the BBR.


Do you know anyone or have you personally PCed to either of those cards? I was trying the whole time to change to the 1-2-3 Cash Back card. They wouldn't let me. One of them was a banker in branch so I would not count this, but I guess it's time to call up again and see where the call goes. Let me know on the above questions. Thanks for your reply.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

kdm31091
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Re: BoA PC

Postby kdm31091 » Wed Nov 04, 2015 12:24 pm

Tubpbs wrote:
kdm31091 wrote:You can PC to a Cash Rewards or a Travel Rewards, or even technically the plain Bank Americard if you want, but you can't do the BBR. Unfortunately, PCs to the BBR were halted because people would get a Cash Rewards, collect the bonus, and then PC to the BBR. As with every loophole, it eventually got closed and now nobody can PC to the BBR.


Do you know anyone or have you personally PCed to either of those cards? I was trying the whole time to change to the 1-2-3 Cash Back card. They wouldn't let me. One of them was a banker in branch so I would not count this, but I guess it's time to call up again and see where the call goes. Let me know on the above questions. Thanks for your reply.


Haven't personally done it, but have heard of plenty of people being able to go to Cash or Travel rewards. However, it also seems some accounts just simply aren't eligible for whatever reason.

yfan
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Re: BoA PC

Postby yfan » Wed Nov 04, 2015 3:22 pm

Tubpbs wrote:
kdm31091 wrote:You can PC to a Cash Rewards or a Travel Rewards, or even technically the plain Bank Americard if you want, but you can't do the BBR. Unfortunately, PCs to the BBR were halted because people would get a Cash Rewards, collect the bonus, and then PC to the BBR. As with every loophole, it eventually got closed and now nobody can PC to the BBR.


Do you know anyone or have you personally PCed to either of those cards? I was trying the whole time to change to the 1-2-3 Cash Back card. They wouldn't let me. One of them was a banker in branch so I would not count this, but I guess it's time to call up again and see where the call goes. Let me know on the above questions. Thanks for your reply.

I did once change a Cash Rewards to a BBR. Then I changed it back. That was before BofA stopped allowing those changes earlier this year. I have verified this at a branch location as well.

Tubpbs
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Re: BoA PC

Postby Tubpbs » Wed Nov 04, 2015 3:52 pm

My first attempt to PC to the Cash Rewards card was probably in 2009.

Pergolas because my card is not a Visa Signature card...otherwise, I can't comprehend why they would rather I spend no money on the card than regular amounts of money. When I wanted to change original it would have ended up being my primary card, now it wouldn't either way, but I'd still rather get something instead of nothing. I will have to pursue it sometime soon I suppose.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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Vattené
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Re: BoA PC

Postby Vattené » Wed Nov 04, 2015 5:14 pm

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.
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FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

Tubpbs
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Re: BoA PC

Postby Tubpbs » Wed Nov 04, 2015 6:41 pm

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.

Rant concluded.

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.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

[email protected]
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Re: BoA PC

Postby [email protected] » Wed Nov 04, 2015 9:10 pm

I just was approved for a Credit limit increase from $1500 to $5000 on my BOA cash rewards Visa, wanted to make it a Sig since it meets the $ amount to qualify, it was like pulling teeth, but I recon they are finally doing it suppose to get new card in 2-4 weeks, and may even be a different card #
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K



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