AGR Credit Card change (October 2022)

[Winecliff Station]

No one AFAICT here or in any documentation on the transfer, has suggested that all your auto pay setups would transfer automatically. How did you manage to imagine that? Reading and understanding the documentation is actually quite important.

I took his post to mean he set up autopay on the new card, because he said “after activating my account”, not that he was expecting the old setup of the autopay from BofA of automatically transfer. I think he’s talking about the policy of many CC companies that skip a billing cycle before the autopsy goes into effect. It seems bogus, because not all CC companies do this. Most go into effect immediately with the next payment.

Yes, reading comprehension and paying attention are perquisites to being a functional adult. As in any business dealing, not reading the information provided will lead to a Bad Day.

Do you mean “prerequisites”? I’d hardly call them perks.

 

[Winecliff Station]

I just looked at the 9 credit/debit cards currently in my wallet.

• 3 have no signature space whatsoever.
• Two have a space that's presumably for a signature, but it's not labeled as a signature block
• One (an American Express) has the block and in really teeny tiny letters above it says "sign."
• Three have a traditional signature bock with "Authorized Signature" next to the field.

At least based on my random assortment, it seems as though the signature field is being de-emphasized for a lot of cards.

Given the number of cards I have that are now made of titanium and other metallics, which are impossible to sign, I tend to agree

 

[Bonser]

No one AFAICT here or in any documentation on the transfer, has suggested that all your auto pay setups would transfer automatically. How did you manage to imagine that? Reading and understanding the documentation is actually quite important.

I took his post to mean he set up autopay on the new card, because he said “after activating my account”, not that he was expecting the old setup of the autopay from BofA of automatically transfer. I think he’s talking about the policy of many CC companies that skip a billing cycle before the autopsy goes into effect. It seems bogus, because not all CC companies do this. Most go into effect immediately with the next payment.


Do you mean “prerequisites”? I’d hardly call them perks.

Yes. That's what I said. It's the skipped billing cycle that can cause problems that could have been avoided with a billing reminder for the skipped month. Unless I've missed it, certainly a possibility, there was nothing in their mailings that alerted me to it.

 

[jis]

Yes. That's what I said. It's the skipped billing cycle that can cause problems that could have been avoided with a billing reminder for the skipped month. Unless I've missed it, certainly a possibility, there was nothing in their mailings that alerted me to it.

Thanks. I misunderstood. Sorry about that.

I guess from past experience I just assume that any auto pay setup will take one or two cycles to take effect and just instinctively act accordingly. My bad.

 

[AmtrakBlue]

Yes. That's what I said. It's the skipped billing cycle that can cause problems that could have been avoided with a billing reminder for the skipped month. Unless I've missed it, certainly a possibility, there was nothing in their mailings that alerted me to it.

On the back of the letter in the fat envelope announcing the change from BoA to FNBO

 

[Bonser]

On the back of the letter in the fat envelope announcing the change from BoA to FNBO
View attachment 30231

So you found it. I said that I may have missed it.

 

[Winecliff Station]

Thanks. I misunderstood. Sorry about that.

I guess from past experience I just assume that any auto pay setup will take one or two cycles to take effect and just instinctively act accordingly. My bad.

In the past it was more common to skip a cycle or two, but now I’m finding more often than not that it goes into effect right away with the next payment….which makes it more frustrating that there are still holdouts using the old system.

 

[Shanson]

And the "one billing cycle" means that account holders need to do a one-time online payment, or send a check. I believe.

We were traveling during the switch over date. Cards worked fine. I still haven't set up the online stuff, so I guess I will be getting paper statements for a few cycles...

 

[StrangeronaTrain]

The current iteration of the AGR credit card was only available since ~2016, since the Chase to BoA change didn't have the account move over (a new card application was needed.) There wouldn't be 20 years of never a missing a payment as far as the AGR card is concerned.

Also, unless the AGR card was a large portion of your available credit, and you're using other cards heavily, or it's one of your oldest accounts (which, if you've had 20 years of never missing a payment, should mean you have a 20-year credit history with a 20-year-old account) it shouldn't be a large ding to your credit. The closed account stays on your credit report for up to 10 years, so for average age of accounts it won't even affect you for a number of years.

In general, the transition didn't seem complicated when reviewing the literature sent out. My AGR credit card account was moving from BoA to FNBO on 10/23, and other than some housekeeping items like setting up autopay and making sure to grab old history my account was essentially the same, just with a new credit card number and new bank. If I closed the account before the transfer, the account wouldn't transfer over to FNBO since the account was now closed out. For most people, this is the best scenario - no worrying about whether you'll be approved for the card at the new bank, no having to get another hard inquiry and a new line of credit, etc.

Thank you--I forgot there was a space between the Chase and BoA cards. And I hope you're right. Just dealing with financial strife right now and it's all very frustrating, because I had plans for the 19k credit line that's up in smoke now. I came here wondering if anything similar had happened to anyone else and whether they bothered trying to "un-cancel" the right card.

 

[Winecliff Station]

And the "one billing cycle" means that account holders need to do a one-time online payment, or send a check. I believe.

We were traveling during the switch over date. Cards worked fine. I still haven't set up the online stuff, so I guess I will be getting paper statements for a few cycles...

Same here….we were in Europe for the month of October so the cards were waiting when we got home. Pretty sharp looking

 

[MarkInAustin]

My wife used hers a couple times at Arbys, drug store, etc. But when she tried our local gas station, it rejected it. Has worked everywhere else. I used my card at that same gas station and it was fine. Go figure!

My new card worked at a different pump after being rejected at a previous one AT THE SAME STATION.

 

[user 31494]

The link on Amtrak's page offers both cards with either 30,000 or 12,000 point bonus.
https://www.amtrak.com/guestrewards...&?atv=PreferredMC-FNBO-LTO-AmtrakHomePageHero

Thank you for the URL. Filled out the application for preferred card and was approved in less than 30 seconds. Card to arrive in 7 to10 days

 

[Trollopian]

Well, I thought I scoured my old BofA account and caught all the autopays, but I missed (at least) one. And was duly so notified yesterday by a paid newsletter that I subscribe to. "Your payment has failed." No sweat. They deal with that all the time because their clients close their accounts, report a stolen card and get a new one, forget to extend the expiration date, whatever. My personal experience is that the FNBO transition has gone very well. But yes, it paid to read the FAQs and other materials.

 

[Bonser]

My new card worked at a different pump after being rejected at a previous one AT THE SAME STATION.

Might have had something to do with the residue of glue on card. Mine has been rejected twice and then accepted after I scraped off more of the glue.

 

[BradMKE]

Applied and was was approved for the Preferred card using an email address different from my AGR email address. Today I received emails welcoming me to AGR with a new membership number using the email from the card application. Not ideal.

 

[Bob Dylan]

Applied and was was approved for the Preferred card using an email address different from my AGR email address. Today I received emails welcoming me to AGR with a new membership number using the email from the card application. Not ideal.

You need to contact FNBO and AGR and get this corrected ASAP!

 

[Bob Dylan]

Might have had something to do with the residue of glue on card. Mine has been rejected twice and then accepted after I scraped off more of the glue.

I had the same problem, but after cleaning the Card again, my Grocery Stores Card Reader wouldn't read the Chip but did OK my purchase when I swiped the Card!

I'm also now getting emails from BOA asking me to apply for Loans,Credit Cards,open Accounts etc.

Pass!

 

[TinCan782]

I'm also now getting emails from BOA asking me to apply for Loans,Credit Cards,open Accounts etc.

Pass!

Glad to be done with BofA!

 

[jis]

I was able to verify that my FNBO card is actually attached to my AGR account. You have to go to the old form of the website and the information is available there under your profile.

 

[TinCan782]

I was able to verify that my FNBO card is actually attached to my AGR account. You have to go to the old form of the website and the information is available there under your profile.

Hmmm. Not seeing that. There is a link to AGR but, you have to log in (as usual) to get to your account.

 

[TheVig]

I was able to verify that my FNBO card is actually attached to my AGR account. You have to go to the old form of the website and the information is available there under your profile.

I'm not seeing it.

 

[TheVig]

Hmmm. Not seeing that. There is a link to AGR but, you have to log in (as usual) to get to your account.

Ditto.

 

[jis]

Hmmm. Not seeing that. There is a link to AGR but, you have to log in (as usual) to get to your account.

I do not expect to have much more than a link to the AGR account. Until I found that I had no way of telling that the credit card had anything to do with any AGR account at all. I expect all the AGR points details to be eventually available at the AGR site after any transfers have taken place from FNBO. It would be an added bonus if the same info were reflected at the CC site, but is not essential for me.

 

[jebr]

I have a different email address on my FNBO account than what's on my AGR account (I have multiple cards with FNBO.) I just checked as I had a statement close on 10/26 with FNBO with exactly one transaction on it and the points posted properly to my AGR account, along with a 500 point bonus and then 500 point deduction on the same day (maybe to verify that the account worked as intended?)

One plus is that it appears to round up to the nearest point on earnings - I had a $2.10 "dining" (vending machine) transaction and I earned 5 points on it.

 

[TheVig]

I have a different email address on my FNBO account than what's on my AGR account (I have multiple cards with FNBO.) I just checked as I had a statement close on 10/26 with FNBO with exactly one transaction on it and the points posted properly to my AGR account, along with a 500 point bonus and then 500 point deduction on the same day (maybe to verify that the account worked as intended?)

One plus is that it appears to round up to the nearest point on earnings - I had a $2.10 "dining" (vending machine) transaction and I earned 5 points on it.

Thank you for sharing that your points posted properly. My statements for my two Amtrak cards don't cut for another week or so on one of them.

Like others I was grandfathered in from BofA. I did call FNBO to inquire how they link to Amtrak since a AGR number was not asked for when setting up my online FNBO account. Nice lady I spoke to was not 100% sure. She suggested I reach out to Amtrak. I didn't reach out to Amtrak. I really don't want the Center of Excellence poking around in my accounts anymore than what's needed.