Thread: Very annoyed with Bank of America

I've had a student credit visa card with them since I was 18(4years ago). Called to see whether or not I could change that card to a cash back reward card without negatively effecting my credit. The lady I talked to assured me that there would be no effect to my credit score because I would keep the same date and limit on the new card. A couple days later I check my report on a free service website(creditkarma) and I see that both a hard credit inquiry AND my average age of credit lines were negatively effected.

Highly upset from being blatantly lied to I called the bank and the new lady that I talked to told me that I must not have heard the lady who I talked to last time right because switching to a new card certainly DOES effect credit...I asked the previous lady SEVERAL times whether or not this could negatively effect my average age of credit lines so she either lied to me every time or flat out didn't know what she was talking about. Turns out my student card was canceled and a whole new line of credit was started. I'll definitely be making some calls to management to see what is up. Hopefully they keep record of who their customer service representatives help. I'm beyond pissed because my other two cards were both opened up withing the last year so this really hurt the average age of my credit lines...

any advice?

I suppose that's true, however, I've been working hard to push it in the "excellent" range and can't stand back stepping..guess it's more about principle than anything else. Don't appreciate being lied to.

wow dude that blows huge chunks. I would bitch at them til they fixed it for sure.

Originally Posted by jeffysdad

Forget about it. Your score will be back up to where it was in a few months. Don't buy into the credit score hysteria.

^This

Dont be too anal about it, you'll get cancer :-)

At just 22 your "excellent" score doesn't mean much to a lender, certainly peanuts compared to having good income or owning a home. People with 730+ scores routinely get 10k-15k credit lines with 0 apr., so take a breather.

Don't sweat it and don't expect them to "fix" it. There is nothing to fix. Even if they screwed up there was still an inquiry. You pestering management will do no good and could lead to other problems.