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Graduated: Bank of America Cash Rewards BankAmericard

Established Contributor

Graduated: Bank of America Cash Rewards BankAmericard

Goodbye Secured BankAmericard Cash Rewards Platinum Plus Visa 

Hello Unsecured BankAmericard Cash Rewards Platinum Plus Visa

 

Backdoor number that got it done: A 16 minute phone call to 800-824-5895. 

 

1 Year, 5 Days, 7 Hours. That's how long it took to get to this point. I've never been late and have carried a balance one time. Made $144.55 in rewards from 3-2-1 program.

 

$300 was my collateral and never bothered to increase it. After graduating the card the analyst gave me a bump to $2500, although I didn't attempt to recon that after the he told me.

 

Anyways, BofA sucks as a bank but is great as a creditor.

Before:

 

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After:

 

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AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
25 REPLIES
Super Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

Congrats!!!

 

 

Ron.

Frequent Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

CONGRATS!



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Established Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

Nice one - Congrats

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

Cash line of $1,660 is wierd isn't it? haha

Valued Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

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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Valued Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

Congratulations! Glad to see more forum members advancing through their credit goals.

I would just like to offer that differentiating a "bank" and a "creditor" as you did is contrary to the operations of a significant majority of banking institutions worldwide. Banks throughout time have gathered deposits and made loans - they are therefore almost always used both as secure investment houses, and as creditors.

You may be referring to a difference in service between BofA's retail deposit operations and their retail credit operations, but their operations as a "bank" have a heck of a lot to do with their presence as a "creditor".

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Regular Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

WOW, so cool! congrats!

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)
Highlighted
Regular Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

wow this is my goal i have one of these cards and i cant wait for the day it graduates. i like that you showed the photos thats some accomplishment.




Starting Score: 5/30/13 TU 630; EQ618: EX PLUS639
Current Score: 4/2/15 TU 661; EQ 617; ; EX FICO 631
Goal Score: 700






Established Contributor

Re: Graduated: Bank of America Cash Rewards BankAmericard

Congrats!

 

~kn


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

Last App 9/22/14... In Garden 'till Summer '15