Bye Bye Gold Spade and garden. Hello BOA

[juniornj23]

I guess i dont get it i have BoA for 9 months never got a CLI where is the taxi

[CreditMagic7]

Long time no see there taxi.

All i can offer for you is to pound the pieces out of that limit with various usage, PIF, rinse n repeat as often as you feel like, and then in say 4-6 months once you get that first CLI your BofA Card limit should start to become very worth those HP's on future CLI's.

Congratulations on the approval and getting in with them

[taxi818]

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@CreditCuriousity wrote:

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@taxi818 wrote:

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@CreditCuriousity wrote:

Grats Taxi..  It is an in with BofA and will grow quickly!

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Thanks CC. Thats what i was thinking as well. Also got mailer from Fnbo for their amex card. Not sure as they are so conservative. This is their 3rd mailer as well.

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Since you are out of garden mise well get in with FNBO..  Have they softed you recently?

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Honestly. Im not sure. i only know this is 3rd time getting this mailer. it says until june 1st. I thought they were hard core. so i never bothered them. They also sent me mailer for a chrysler credit card as well as this amex thing.

[taxi818]

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@CreditMagic7 wrote:

Long time no see there taxi.

All i can offer for you is to pound the pieces out of that limit with various usage, PIF, rinse n repeat as often as you feel like, and then in say 4-6 months once you get that first CLI your BofA Card limit should start to become very worth those HP's on future CLI's.

Congratulations on the approval and getting in with them

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What!!!! they do hp for a cli? this is getting like barclays. I will never request cli with them as they want hp for everything.

[Anonymous]

I was approved April 27th last year for the card, $1000 instant approval. Called analyst, asked for $10k and got it. Called back again and got it bumped to $19.5k after they noted my banking history with them. I don't remember if the recon was a HP or not.

Congrats! It will grow over time but it may cost you a HP. HP's aren't permanent and some of the best CLIs come with those.

[CreditCuriosity]

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@taxi818 wrote:

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@CreditCuriousity wrote:

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@taxi818 wrote:

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@CreditCuriousity wrote:

Grats Taxi..  It is an in with BofA and will grow quickly!

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Thanks CC. Thats what i was thinking as well. Also got mailer from Fnbo for their amex card. Not sure as they are so conservative. This is their 3rd mailer as well.

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Since you are out of garden mise well get in with FNBO..  Have they softed you recently?

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Honestly. Im not sure. i only know this is 3rd time getting this mailer. it says until june 1st. I thought they were hard core. so i never bothered them. They also sent me mailer for a chrysler credit card as well as this amex thing.

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Bet you would get it if you want another good conservative lender?

[RonM21]

Congrats on the gardening, and now your approval with BoA!

[Anonymous]

LOL @ sponge bob reference. Congratulations, taxi, and good to see you back with us!

[Anonymous]

Congratulations! I was getting mailers left and right too. Applied in September got a 2,000 SL. Couple weeks ago I called and asked for a cli, I asked for 5,000 they gave me 4,900. Lol

As for the Amex FNBO, I got mailers for that too. Applied in October, got a 1,000 sl 🙄 Called last week asking if they had a sp cli, they did. Gave me 3,500. Pretty low, seeing Amex just gave me 15,000.

[Anonymous]

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@taxi818 wrote:

Hello Fico friends and forum members. Been a while since i posted. I needed a little time away in order to spend in the garden. was trying to stay away about a year. I did make it almost 9 months. Damn. The only Major lender i was not in with was Boa. and since their website was bogus at best. I would just not apply. it said it was good even though my name was sponge bob square pants. So i left it alone. Well in the last 12 days. i got no less than 4 mailers from BOA about their cash reward card. I said damn. ok i will pull the trigger when i got one today. No problem on the approval. But what a crappy limit. They did ask me to put the credits cards that i wanted to transfer balances from during the application process i declined to see what my limit would be first. here we go. 2k. don't know what i can transfer with this limit? anyone have success with getting cli with BOA out of gate? ive not used them so i don't know much of them.

Last time i banked with em was in the 90s when they were nationsbank. they pissed me off then with the endless fees and i never ever looked at them since. Thanks all for any advice. Taxi.

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Well Taxi, I received one of those mailers also, and waited until it almost expired, the $200 bonus and some other stuff was pretty good.

I felt the same as you as BOA is one of the last biggies for me, so I came out of the garden after 3 months and app'd, was approved with a low starting limit, compared to what I normally get, but I'm in and hope it grows. 

Are you you going to recon your sl or just let it grow?