"Upgraded From Student Platinum Visa"
BankAmericard Rewards Visa® Review
Written by: interjack on 2009-01-06
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
interjack's review: 
I had my Student Platinum Visa open for a year and on my year anniversary date I received a CLI from $800 to $1300. I called in to see if I could get an upgrade to the BankAmericard and was xferred to a credit analyst. The analyst said that because of my good banking relationship (checking + savings) and good payment history, he was able to upgrade the card. No annual fee. APR remained the same at 14% from the student card. I got xferred to retentions to see about lowering it, but they said I would have to wait longer. The point system lets you rackup points rapidly!
BOA Analyst said that CLIs were based off of the credit other companies are willing to give you, how aggressively you charge and pay off, and your utilization.
I love the website design, especially the chat and email feature which helps me when I am at work or when I do not want to wait on the phone. SafePass is a great security feature!
I had my Student Platinum Visa open for a year and on my year anniversary date I received a CLI from $800 to $1300. I called in to see if I could get an upgrade to the BankAmericard and was xferred to a credit analyst. The analyst said that because of my good banking relationship (checking + savings) and good payment history, he was able to upgrade the card. No annual fee. APR remained the same at 14% from the student card. I got xferred to retentions to see about lowering it, but they said I would have to wait longer. The point system lets you rackup points rapidly! BOA Analyst said that CLIs were based off of the credit other companies are willing to give you, how aggressively you charge and pay off, and your utilization.
I love the website design, especially the chat and email feature which helps me when I am at work or when I do not want to wait on the phone. SafePass is a great security feature!
5 Comments
Comment 1 by cfmdev49
Way To Go... 
on 2009-01-06
BOA is good company and they will treat you well... I have had a Visa with them since 2001 and never have had a problem... Its easy to pay online and I have gotten several credit limit increases without asking... Just an all around good card to have...
on 2009-01-06 BOA is good company and they will treat you well... I have had a Visa with them since 2001 and never have had a problem... Its easy to pay online and I have gotten several credit limit increases without asking... Just an all around good card to have...
Comment 2 by brian23
Congrats... on 2009-01-06
On the BOA card. Yes, they are a very good bank to be with. Good luck with the new card.
on 2009-01-06 On the BOA card. Yes, they are a very good bank to be with. Good luck with the new card.
Comment 3 by charonh
Congratulations! on 2009-01-07
On your upgrade and new experience. I like the Hello Kitty and Sallie Mae cards they offer. Enjoy and use it wisely!
on 2009-01-07 On your upgrade and new experience. I like the Hello Kitty and Sallie Mae cards they offer. Enjoy and use it wisely!
Comment 4 by cabana7
B Of A Is The Best ! on 2009-01-07
Take good care of them and they will take good care of you and customer service is excellent!
on 2009-01-07 Take good care of them and they will take good care of you and customer service is excellent!
Comment 5 by colonative
Congratus on 2009-01-07
You went from a Student card to a BankAmericard in a short time, that is impressive. Keep it up.
on 2009-01-07 You went from a Student card to a BankAmericard in a short time, that is impressive. Keep it up.
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Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
