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Conversion of Cards

Posted Sun January 7, 2007 8:40 pm, by Kenneth D. written to Juniper Bank

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Dear Sir/Madam,
I would like to know why I cannot convert my U.S. Airways card to a China airlines. I was told to apply as "we cannot do this" I did and was told I "have sufficent credit with Juniper Bank".I do not see the reasoning that a simple procedure like this cannot be done. Please assist me in understanding the reason{s} for this Thank You.

Be able to convert my U.S. Airways card to a China Airlines card.


Reply



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by Jeffrey Posted Mon January 8, 2007 @ 10:37 AM

Even when a bank owns multiple cards, it's standard practice to make
you re-apply for the new card. Very rarely can you be converted.
Reasons vary, but include:

* Even with the same bank, there may be difference divisions that
handle the different cards. I know someone who works on the
XXX-branded credit card, only. It's his account. And he's therefore
not allowed to do anything with respect to YYY-branded cards, since
that belongs to someone else at the company.

* It's a chance for them to review your credit.

* The cards may actually have different terms. Unless the cards are
100% identical, having you re-apply ensures (from the bank's
perspective) that you've read (or at least been given, via an
application) the terms of the new card.

* Along the lines of the first item here, there may actually be
separate systems for tracking customers of different cards. It's
therefore not a simply matter of updating your profile in their
computer system.

* The sponsor of the card may have different requirements for
customers. For example, China Airlines might not want to be
associated with certain profiles of customers.

In any case, the fact that they said that you don't have sufficient
credit suggests that you don't.

The US Airways Visa is Bank of America. The US Airways Master Card is
Juniper bank. As is the China Airlines Master Card.

If you really want the new card, then cancel the old one and apply for
the new one.

Reply

by Somebody! Posted Mon January 8, 2007 @ 10:37 AM

I don't see ant reason why you shouldn't be able to get an answer to
your question. But that might not change the outcome. good luck!

Reply

by Tina N Posted Sun January 7, 2007 @ 9:30 PM

I'm guessing because it's two entirely different companies.

Reply




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