Jump to content




Help Support AmtrakTrains.com by donating using the link above or becoming a Supporting Member.

Photo

Positive article on AGR Credit Cards


  • Please log in to reply
26 replies to this topic

#21 AmtrakBlue

AmtrakBlue

    Engineer

  • Gathering Team Member
  • PipPipPipPipPipPip
  • 9,574 posts
  • Gender:Female
  • Location:Delaware

Posted 03 November 2017 - 03:12 PM

 

I recently called in on my card.  You can't product change it or transfer the credit line.

What do you mean by this? I just got the paid card back in September, but after a year, I'm going to downgrade to the no-fee card.

 

I think it means you have to open the no-fee card as a new card and close the fee card.  You can't transfer your fee card to a no-fee card.



#22 daybeers

daybeers

    Lead Service Attendant

  • Members
  • PipPipPip
  • 171 posts
  • Gender:Male
  • Location:HFD & WAS
  • Interests:Music, Singing, Computers, Stained Glass, Photography, Traveling, Running

Posted 03 November 2017 - 03:43 PM

I recently called in on my card.  You can't product change it or transfer the credit line.

What do you mean by this? I just got the paid card back in September, but after a year, I'm going to downgrade to the no-fee card.

I think it means you have to open the no-fee card as a new card and close the fee card.  You can't transfer your fee card to a no-fee card.

Wow, that's too bad. Does that mean if I open the no-fee card, it will show up as another account opened on my credit report? I know that metric highly influences one's credit score, so is it worth paying for another year instead?


Amtrak travel so far: only 8,967 miles: Springfield Shuttle (10), Lake Shore Limited (2), Northeast Regional (20), Acela (1), Pennsylvanian (2), Capitol Limited (1)

Ambus mileage: 72


#23 jebr

jebr

    Engineer

  • Forum Manager
  • PipPipPipPipPipPip
  • 2,752 posts
  • Gender:Male
  • Location:"The Last Great City of the East," St. Paul, MN

Posted 03 November 2017 - 03:50 PM

I'm honestly a bit surprised that they won't product change it even to the no-fee Amtrak card. I could maybe see some hesitation moving it to a standard BoA card, but odd that they wouldn't let you do it even to the AGR no-fee card. Sometimes, though, at least from what I've read on other BoA experiences, it could be something where it's agent-specific (some will and some won't.) I'd still call or chat in and see if they'd work with you on converting it.

 

I'll probably be considering this next November; somewhat accidentally my wife and I both got approved for separate fee cards from Amtrak. I wouldn't have done it intentionally, but having the 60,000 points between us will certainly be nice over the next couple of years. I don't think the benefits will work out to keep both long-term, though, but if we get good value out of the upgrades and companion pass we might still wind up keeping both around.



#24 daybeers

daybeers

    Lead Service Attendant

  • Members
  • PipPipPip
  • 171 posts
  • Gender:Male
  • Location:HFD & WAS
  • Interests:Music, Singing, Computers, Stained Glass, Photography, Traveling, Running

Posted 03 November 2017 - 04:26 PM

I'm honestly a bit surprised that they won't product change it even to the no-fee Amtrak card. I could maybe see some hesitation moving it to a standard BoA card, but odd that they wouldn't let you do it even to the AGR no-fee card. Sometimes, though, at least from what I've read on other BoA experiences, it could be something where it's agent-specific (some will and some won't.) I'd still call or chat in and see if they'd work with you on converting it.

That's a good point. When I decide to downgrade, I will give them a call.


Amtrak travel so far: only 8,967 miles: Springfield Shuttle (10), Lake Shore Limited (2), Northeast Regional (20), Acela (1), Pennsylvanian (2), Capitol Limited (1)

Ambus mileage: 72


#25 Tennessee Traveler

Tennessee Traveler

    Engineer

  • Members
  • PipPipPipPipPipPip
  • 1,014 posts
  • Gender:Male
  • Location:Franklin, TN

Posted 03 November 2017 - 10:12 PM

Bank of America controls the two credit cards not Amtrak.  Likewise, once reward points are reported to AGR and they are added to your AGR account, AGR contols the AGR points so any action you do affecting the BofA credit cards has no affect on any of your already earned AGR points.  



#26 sechs

sechs

    Engineer

  • Members
  • PipPipPipPipPipPip
  • 2,147 posts
  • Gender:Not Telling
  • Location:ATL

Posted 04 November 2017 - 03:31 PM

 

I recently called in on my card.  You can't product change it or transfer the credit line.

What do you mean by this? I just got the paid card back in September, but after a year, I'm going to downgrade to the no-fee card.

I think it means you have to open the no-fee card as a new card and close the fee card.  You can't transfer your fee card to a no-fee card.

Wow, that's too bad. Does that mean if I open the no-fee card, it will show up as another account opened on my credit report? I know that metric highly influences one's credit score, so is it worth paying for another year instead?

 

Yes.  In fact, this was a suggestion from the BofA reps.

 

As long as you don't have too many, the hard pull for the new card isn't very serious.  It'll fall off your report in two years.  The reduced average age of accounts can be more problematic if you don't have a lot of existing long-lived accounts.



#27 sechs

sechs

    Engineer

  • Members
  • PipPipPipPipPipPip
  • 2,147 posts
  • Gender:Not Telling
  • Location:ATL

Posted 04 November 2017 - 03:34 PM

I'm honestly a bit surprised that they won't product change it even to the no-fee Amtrak card. I could maybe see some hesitation moving it to a standard BoA card, but odd that they wouldn't let you do it even to the AGR no-fee card. Sometimes, though, at least from what I've read on other BoA experiences, it could be something where it's agent-specific (some will and some won't.) I'd still call or chat in and see if they'd work with you on converting it.

They won't.  This is not just my experience.  There are  comments in other threads here, as well on Flyertalk.  BofA simply won't countenance any product change on this card. 

 

As far as I can tell, you can't even change from the no-fee to the fee version.  Why they have this policy is beyond me.






0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users