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BOI: Upgrading student credit card to a proper card, easy?

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  • 06-07-2007 11:32pm
    #1
    Nephew
    Closed Accounts Posts: 1,340 ✭✭✭


    I have a bank of ireland student credit card, it has a max limit of e400, which suits me as it means I won't run up a crazy bill. But there's a but, I am heading to America soon and I need a credit card with a limit of e2000, I know I could load money into my current credit card but if I get scammed I would only be covered by the bank for e400.

    I am wondering what's the procedure for switching from a student card to one with a larger limit? Is it a matter of just popping in and asking or would I need to cancel my student credit card and apply for a proper one? I take it there is no guarantee I would actually get one?

    I should add I am no longer a student, I am working full time for over a year with a steady income into my bank account, but 80% of my money is on direct debit to various other banks. I regularly use my student credit card and usually pay it back in full each month.


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    #2
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    It should be no problem, If you want I can put you in touch with the relivant person in your branch.


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    #3
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    I'm with AIB and wanted to do the same thing. I had to apply for a new Mastercard as it was dealt with by a different dept than the student one, and wasn't an product in the same category for a swap is what they told me.

    All in all I got accepted, but I had to go into my local branch and provide ID / POA etc for them to procede with my application.

    Perhaps BOI have a more refined process though?


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    #4
    b3t4
    Closed Accounts Posts: 1,325 ✭✭✭b3t4


    Don't go getting an ordinary credit card as it'll cost you an arm and a leg in interest repayments (should you happen to not be able to pay it off in full each month which might happen as you'll be off in America)

    Get yourself a graduate account. On this account I was able to get a limit of €1000 on my CC. I could of gotten a larger limit but I didn't want to.

    A


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