BoA product transfer and holding multiple cards from same family?
Jul 22, 2019, 3:19 am
#1
FlyerTalk Evangelist
Original Poster
Join Date: Mar 2010
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Posts: 19,899
BoA product transfer and holding multiple cards from same family?
I currently have a BoA Travel Rewards card. Can I do a product transfer to the BoA Asiana card? I heard that BoA doesn't give the welcome bonus when doing that, but is there a way around it?
Is it possible and have anyone ever held multiple cards from the same family? Is it possible to have two BoA Alaska Visa Signature or Asiana cards?
Is it possible and have anyone ever held multiple cards from the same family? Is it possible to have two BoA Alaska Visa Signature or Asiana cards?
Jul 22, 2019, 5:14 am
#2
Join Date: Dec 2006
Location: nowadays, BOS
Posts: 89
BoA does allow you to hold more than 1 of the same card but I'm not sure how they feel about a PC from a core card to a cobranded one. In this case it couldn't be done under any circumstances anyway unless the Travel Rewards card was at least 12 months old as it has no annual fee but the Asiana card does.
BoA follows the pretty universal truism that one doesn't qualify for a sign up bonus when there is a product change. AMEX sometimes does it to drive upgrades to specific cards with higher annual fees, think Blue Cash Everyday to Blue Cash Preferred as an example.
If you really want the bonus you can always apply for the Asiana and if denied call for a recon and offer to shift some of the limit over from your Travel Rewards card.
BoA follows the pretty universal truism that one doesn't qualify for a sign up bonus when there is a product change. AMEX sometimes does it to drive upgrades to specific cards with higher annual fees, think Blue Cash Everyday to Blue Cash Preferred as an example.
If you really want the bonus you can always apply for the Asiana and if denied call for a recon and offer to shift some of the limit over from your Travel Rewards card.
Jul 22, 2019, 9:08 am
#3
Join Date: Feb 2016
Posts: 292
BoA does allow you to hold more than 1 of the same card but I'm not sure how they feel about a PC from a core card to a cobranded one. In this case it couldn't be done under any circumstances anyway unless the Travel Rewards card was at least 12 months old as it has no annual fee but the Asiana card does.
BoA follows the pretty universal truism that one doesn't qualify for a sign up bonus when there is a product change. AMEX sometimes does it to drive upgrades to specific cards with higher annual fees, think Blue Cash Everyday to Blue Cash Preferred as an example.
If you really want the bonus you can always apply for the Asiana and if denied call for a recon and offer to shift some of the limit over from your Travel Rewards card.
BoA follows the pretty universal truism that one doesn't qualify for a sign up bonus when there is a product change. AMEX sometimes does it to drive upgrades to specific cards with higher annual fees, think Blue Cash Everyday to Blue Cash Preferred as an example.
If you really want the bonus you can always apply for the Asiana and if denied call for a recon and offer to shift some of the limit over from your Travel Rewards card.
Offers to shift credit limit with BOA aren't generally as effective on recon as they were a few years ago. BOA will sometimes auto shift credit to get you approved, but asking them to manually do it often makes no difference in getting approved. I know with the Premium Rewards at least, a lot of people had no luck getting approved even with offering to shift credit.
Jul 22, 2019, 8:35 pm
#4
FlyerTalk Evangelist
Original Poster
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,899
BoA does allow you to hold more than 1 of the same card but I'm not sure how they feel about a PC from a core card to a cobranded one. In this case it couldn't be done under any circumstances anyway unless the Travel Rewards card was at least 12 months old as it has no annual fee but the Asiana card does.
BoA follows the pretty universal truism that one doesn't qualify for a sign up bonus when there is a product change. AMEX sometimes does it to drive upgrades to specific cards with higher annual fees, think Blue Cash Everyday to Blue Cash Preferred as an example.
If you really want the bonus you can always apply for the Asiana and if denied call for a recon and offer to shift some of the limit over from your Travel Rewards card.
BoA follows the pretty universal truism that one doesn't qualify for a sign up bonus when there is a product change. AMEX sometimes does it to drive upgrades to specific cards with higher annual fees, think Blue Cash Everyday to Blue Cash Preferred as an example.
If you really want the bonus you can always apply for the Asiana and if denied call for a recon and offer to shift some of the limit over from your Travel Rewards card.
It is pretty unlikely they will allow a PC from a core to a cobranded card i.e. Asiana. I mean you can ask, but I doubt it.
Offers to shift credit limit with BOA aren't generally as effective on recon as they were a few years ago. BOA will sometimes auto shift credit to get you approved, but asking them to manually do it often makes no difference in getting approved. I know with the Premium Rewards at least, a lot of people had no luck getting approved even with offering to shift credit.
Offers to shift credit limit with BOA aren't generally as effective on recon as they were a few years ago. BOA will sometimes auto shift credit to get you approved, but asking them to manually do it often makes no difference in getting approved. I know with the Premium Rewards at least, a lot of people had no luck getting approved even with offering to shift credit.
Last edited by EmailKid; Jul 22, 2019 at 10:34 pm Reason: Back to back posts
Jul 23, 2019, 3:51 am
#5
Join Date: Dec 2006
Location: nowadays, BOS
Posts: 89
It's not a surprise that you weren't able to PC as there are other issuers who also don't allow it between core and co-branded cards.
BoA uses FICO 8 and hard pulls Experian for new card applications, soft pulls Transunion for credit limit increase requests and the score provided on your online account is TU FICO 8. If you don't otherwise have your EX score search on Google for` free Experian fico 8 score`. How you would recon would depend on why you were denied for the card.
BoA is notorious for silently shifting credit limits from existing cards when opening new ones and also when requesting credit limit increases. If you want data points myfico might be a good place to start searching.
BoA uses FICO 8 and hard pulls Experian for new card applications, soft pulls Transunion for credit limit increase requests and the score provided on your online account is TU FICO 8. If you don't otherwise have your EX score search on Google for` free Experian fico 8 score`. How you would recon would depend on why you were denied for the card.
BoA is notorious for silently shifting credit limits from existing cards when opening new ones and also when requesting credit limit increases. If you want data points myfico might be a good place to start searching.
Jul 24, 2019, 8:39 am
#6
Join Date: Jan 2003
Posts: 3,785
Don't know anything about BoA product transfer, but you could definitely hold 2 of the same card in a family. My wife and I both got BoA Premium Reward card. We were both Plat Honors on separate BoA accounts so we both took advantage of the initial bonus.