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Regular Contributor
SRAGS
Posts: 163
Registered: ‎07-30-2009

bank of america CLI to 10,000 from 2500

[ Edited ]

Hello

 

My credit limit increased to 10,000 from 2500 on cash rewards card. i did it online. but i didn't get any increase in limit and was declined.. i didn't followed abt it.  After 10 days today i got a letter stating limit increased to 10,000.  i went online...Yes it was there.....

 

I have one question can you pls help. My bank of america card was showing as felxible spending credit card on transunion and fico equifax. It was not showing any credit limit. It was not flexible spending card... it is having limit....to correct this what steps to follows.

 

When i submitted the increase...my score was  FICO TR 714, fico EQ 703. In last 5  months no enquires... from march 15 2012 to oct 2012  , 12 inquiries... because auto loan, some credit limits increased on my cards.

 

my utilization on this particular card is 0 since last 3 statements. Total UT  is 14,000  out of 46000 when i applied for CL.

 

Thanks.

Valued Contributor
dodgerslv
Posts: 1,655
Registered: ‎06-16-2012

Re: bank of america CLI to 10,000 from 2500

AWESOME!!! and Big Congrats!!! BofA has been very generous to me despite my past baddies. Cannot wait to request another CLI with them six months from now.



cards in wallet : Chase CSP (15k), BofA Privilege (33K), Amex BCP (6K), Discover (8k), Barclays Arrival + (12.5k), US Bank Flex Travel (7.5K), US Bank Cash + (6k) Penfed Rewards (22.5k)
cards for travel: Citi AA WEMC (20K), Citi Prestige (11.5K), Chase Ritz (20K), Chase United Explorer (22K), Barclays US Airways (10k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755




Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: bank of america CLI to 10,000 from 2500

Thank you rewards is citi, so im a little confused.

Is your card a visa siggy/world mc after this cli? Boa doesnt report limits on siggys afaik.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Senior Contributor
Ron1
Posts: 4,642
Registered: ‎05-23-2009

Re: bank of america CLI to 10,000 from 2500

Congrats!!!! BofA might have upgraded your account into Visa Signature. You might get new account number.

 

 

Ron.

Regular Contributor
SRAGS
Posts: 163
Registered: ‎07-30-2009

Re: bank of america CLI to 10,000 from 2500

Yes it was cash rewards... Sorry ..for that.   It was cash rewards visa signature.

 

Thanks.

Moderator
09Lexie
Posts: 24,202
Registered: ‎09-13-2012

Re: bank of america CLI to 10,000 from 2500

Regular Contributor
SRAGS
Posts: 163
Registered: ‎07-30-2009

Re: bank of america CLI to 10,000 from 2500

My card was cash rewards visa signature. In the letter they didn't mention abt any upgrade.  Only mentioned abt credi limit increase.  

Thanks.

Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: bank of america CLI to 10,000 from 2500

If you want the limit to report, you can ask them to downgrade you to a visa platinum.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: bank of america CLI to 10,000 from 2500


Ron1 wrote:

Congrats!!!! BofA might have upgraded your account into Visa Signature. You might get new account number.

 

 

Ron.


+1

 

If your account qualified as a Visa Signature product during the CLI, then the CL will not report on the bureaus.  As mentioned by Ron1, you will get a new account number as part of the product upgrade.  Once you get the new card, you can request an EMV chip-enabled replacement if you plan on using it abroad.

Regular Contributor
SRAGS
Posts: 163
Registered: ‎07-30-2009

Re: bank of america CLI to 10,000 from 2500

The card was not upgraded. My card from the beginning was Cash rewards visa signature.Intial limit when i applied the card  was 5000, but asked them to downgrade the limit to 2500 and that remaining 2500 was posted to another bank of america card .  They didn't change any account number. same number.

 

Can you please tell me abt upgrading emv  chip? whats that.?

 

Thanks.


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