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Established Contributor
Posts: 985
Registered: ‎09-10-2012
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BOA 99/500 graduated early!! Need advice.....

My 10th statement for my BOA 99/500 card will cut tomorrow. I noticed this morning that the card unsecured and my 99.00 deposit was credited back in to my checking. I was really surprised to see that there was no cli to go with it. I assume it would have all been done at the same time? I called the backdoor number and spoke with a csr that told me how well I was handling my account but that I would have to take a hp if I wanted an increase. He also said if I no longer want to have an annual fee, I should apply for another card and then cancel this one. I don't want to do that because this is my oldest card. So what should I do? Should I call and speak with someone else? Should I wait and see if something shows up after my statement tomorrow? Or should I just request a cli? I would like the card to be at least 2,000.00. My credit has went from good to excellent over the past year so I am really surprised there was no auto. :catfrustrated:

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

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Established Contributor
Posts: 985
Registered: ‎09-10-2012
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Re: BOA 99/500 graduated early!! Need advice.....

Ok so I took up upon myself to hit the luv button and I requested 2000.00 and it was approved instantly!!! :smileyhappy:
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: BOA 99/500 graduated early!! Need advice.....


snowkitty wrote:
Ok so I took up upon myself to hit the luv button and I requested 2000.00 and it was approved instantly!!! :smileyhappy:

That's PRO. :smileysad:

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
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Posts: 3,330
Registered: ‎10-19-2012
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Re: BOA 99/500 graduated early!! Need advice.....

I would've advised you to ask for 5k, but a 300% increase is not bad at all! Congratulations and welcome to the BofA class of 2013 alumni club!!! :smileyvery-happy:

Established Member
Posts: 55
Registered: ‎05-31-2013
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Re: BOA 99/500 graduated early!! Need advice.....

Congratulations!!!

The early bird may get the worm but the second mouse gets the CHEESE!! lol


Starting Score: 614 (Credit Karma), 640 (TU Fico), 614 (TU via Merrick) as of 5/31/2013
Current Score: 597 (Credit Karma), 621 (TU Fico), 607 (TU via Merrick) as of 8/23/2013 !!!! annoyed
Goal Score: 800+

In My Wallet:RBFCU MC $2.5K/Target $2K/Amazon $1.3K/HB $900/C1Plat $750/Merrick $700/MS $550/ WM $500/C1CR $500 & Various Store Cards
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: BOA 99/500 graduated early!! Need advice.....

Sweet!  Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
Posts: 985
Registered: ‎09-10-2012
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Re: BOA 99/500 graduated early!! Need advice.....

I should have asked for more but I thought maybe I was pushing it by asking for 4x's what it was. Anybody know how often you can request cli's with boa?
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
Posts: 726
Registered: ‎05-12-2012
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Re: BOA 99/500 graduated early!! Need advice.....


snowkitty wrote:
I should have asked for more but I thought maybe I was pushing it by asking for 4x's what it was. Anybody know how often you can request cli's with boa?

I believe you may be eligible every 6 months, and Congrats on the increase!


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Established Contributor
Posts: 574
Registered: ‎06-04-2012
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Re: BOA 99/500 graduated early!! Need advice.....

Congrats!

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

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