Been reading posts here for a while, and decided to register and share my experience - maybe also get some advice if possible.

I have had the Lufthansa M&M Visa for years. It started with First USA bank, then it became MBNA, and it became BofA. Now the program was eliminated, and I am left with this "Platinum Plus Visa" from BofA. I do not want the card.

Here's my dilemma though - M&M is is the first credit card I ever had. It's the first card I got when I was 18 years old. I am now 25. Therefore, it is essentially the oldest account I have opened. Yes, it jumped from one bank to another, but it maintained the same history on my credit report.

This is exactly why I have chosen to stay with BofA. I am also quite interested in their U.S. Airways Visa Signature card. I would like to change my product to it, without cancelling the account and reopening it.

Is that a smart thing to do? Is is something that is even possible? Are my worries about my credit history valid? Do you think it's worth it to cancel the account as a whole and go to another bank but better program?

Many thanks in advance.