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Bank of America is a rare providers that lets you request a different credit card in place of an unwanted card — even with different rewards programs. If a new card with better perks or rewards comes along, you can change cards without taking a hit to your credit.
Call the number on the back of your card and ask if you’re eligible for a product change to a credit card you want. Wait for the customer service representative to review your account. If you’re eligible, you can complete the process over the phone.
To change your credit card, you have to be eligible first. Here’s what Bank of America considers:
The reasons for making a product change could be to:
No. Your credit card account remains the same. But don’t forget to destroy your credit card or return it to a Bank of America branch for disposal.
If you’ve changed your mind about your credit card, consider a product change to another Bank of America credit card.
Compare Bank of America credit cards to find a card you would like to get or compare other credit cards if you want a credit card from another provider.
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