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Bank of America product switch?

130 10 June 13, 2018 at 07:47 PM
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I've been with Bank of America for more than a decade now. I've never signed up for any other card. I currently have the BankAmericard Rewards Visa. This is my oldest credit card and I plan on keeping it because of its history. I'm just wondering if I can do product switches with Bank of America? My plan is to switch to the Bank of America Travel Rewards card. It's free and have no AF so it's like a no-brainer. Right now my online account is basically asking me to request a credit limit increase. I wouldn't mind doing that with a better card. I definitely don't want to do this with my BankAmericard. My worry is that BoA will cancel my BankAmericard and there goes my decade plus of credit history. Anyone here with experience on this?

​​​​​​​Thanks!

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Joined Dec 2005
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#2
Why switch? keep the current card & open a new accourt with the other card.
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Quote from w3kn
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What a shitty thread.
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Joined Jul 2008
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#3
In your situation I'd say that a product change [nerdwallet.com] (PC) is a great idea. You should use each card a few times each year, at least, in order to reduce the likelihood that your account would be closed due to inactivity. Since you're stuck using the card occasionally you might as well get some rewards.

Some CC companies will do a hard pull on your credit for a product change but information online suggests that BoA doesn't.

The CLI offer could disappear if you do a product change. As long as the CLI offer says that it won't affect your credit score (soft pull) I'd do the CLI before a product change. The increased limit should move over to the new card when you product change.
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#4
just apply for new card,but I am sure theres better offers than boa
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