04-22-2013 01:47 PM - edited 04-22-2013 02:02 PM
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.
04-22-2013 01:50 PM
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.
04-22-2013 02:04 PM
Congrats!!!! BofA might have upgraded your account into Visa Signature. You might get new account number.
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.
04-22-2013 02:13 PM
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.?
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