PCU Credit card

PCU Request

100

If card number does not change after a PCU, how long will the card stay active for? 

• The current card will remain active through the expiration date printed on the card unless the account number changes with the product change.

200

Can a Co-applicant submit a PCU? 

Confirm the caller is the primary cardholder or co-applicant.

300

Which system do we use to initiate a PCU? 

BOLT 

400

True or False 

Unlimited Cash Rewards will MAKE the client change from Visa to Mastercard or vice versa? 

Note: Unlimited Cash Rewards is product change eligible for a network change from a Visa to Mastercard or vice versa. New accounts acquisition is exclusive to the Visa affiliation.

500

In the PCU JOB AID..

When downgrading and you know the client wants to avoid the Annual fee ( which is why they want to do the PCU ) how long do they have to avoid getting the fee? 

• An annual fee assessed MORE than 90 calendar days from the date of the product change completion is not credited back when the product change completes.

PCU Job Aid

100

What is a PCU?

• The Product Change Unit (PCU) can modify an existing product on behalf of the client when they are eligible for different rewards options, rewards programs or card level benefits.

200

Are we allowed to proactively offer a Product Change? 

No - 

• Do not proactively offer a product change unless you are taking a retention call, having a product right fit conversation and the client has either a Switch to or Customer May Be Eligible for Requested Product Change opportunity available.

300

Can a Authorized user submit a PCU? 

• An Authorized User is not eligible to submit a product change request.

400

Will clients enjoy the new promotions/ rewards with a PCU as if it was a new account opening?

CUSTOMER REQUESTED PRODUCT CHANGE requests are not eligible for new account or Product Switch offer rewards incentives, promotional or introductory annual percentage rate (APR).

500

When a PCU is successfully complete and the card number DOES change, how many days after does the client have to use their current card? 

The current card will remain active through the expiration date printed on the card unless the account number changes with the product change. If the account’s number changes, the current card can be used for 90 calendar days after the product change

PCU

100

How long may it take the bank to refund a Annual fee? 

The annual fee will be reviewed for a refund within 30 calendar days of the product change completion.

200

AMF - Annual Membership Fee

When going from a non- AMF account to one that does have a AMF, how long before the fee gets applied? 

The new fee will be effective in three months from the request date.

300

Which are the Credit cards that are NOT eligible to add an affinity? 

• Existing Unlimited Cash Rewards, Travel Rewards, Premium Rewards or Premium Elite clients cannot add an affinity.

400

What are the next steps/ options for clients who have " No product change or Switch offer available" 

To apply for the desired account at bankofamerica.com or be transferred to Credit Card Sales to fill out an application

500

When dealing with clients who have the " World Cup " card/ design, are we able to replace their card with the same World Cup design? 

NO