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Member
Posts: 10
Registered: ‎12-05-2012
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BOA CLI Success

Hello all, 

 

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695 

 

I want to thank the forums because without the advise I wouldnt be here. 

 

 

USAA EX 640 TU 667 EQ 667
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Senior Contributor
Posts: 26,694
Registered: ‎02-07-2013
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Re: BOA CLI Success

Thats great news congrats 

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Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
0

Re: BOA CLI Success

CONGRATS! gotta love BoA



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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: BOA CLI Success


521099 wrote:

Hello all, 

 

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695 

 

I want to thank the forums because without the advise I wouldnt be here. 

 

 


CONGRATS!!!

 

Awesome CLI!!




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: BOA CLI Success


521099 wrote:

Hello all, 

 

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695 

 

I want to thank the forums because without the advise I wouldnt be here. 

 

 


Congrats.

 

IME, BofA is very good with CLIs. I got a secured in Mar 2010 with CL of $500. Called up 5 years before 1 year (that's the earliest they can unsecure it). They happily unsecured the card and gave me a CL of $7,500. The only dispute was the AF. They said they can't waive off the AF on this card and I insisted they escalate otherwise I may have NO option but to cancel the card. Called the backdoor number again the next day and again insisted for escalation of AF removal (permanently).

 

Got a call next day or may be 2 days letter confirming AF waived forever.

 

I mentioned this AF thing coz OP may be still paying AF. It's NOT easy to get rid of AF, but it's entirely possible.

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EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Valued Contributor
Posts: 1,519
Registered: ‎11-10-2012
0

Re: BOA CLI Success


521099 wrote:

Hello all, 

 

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695 

 

I want to thank the forums because without the advise I wouldnt be here. 

 

 


If it wasn't for myFICO, Iwould never know "backdoor" numbers even existed. Congrats on your CLI!

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