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bank of america CLI to 10,000 from 2500

Moderator Emerita

Re: bank of america CLI to 10,000 from 2500

Huh? I'm confused. I thought you went from $2500 to $10k CLI
Message 11 of 22
Regular Contributor

Re: bank of america CLI to 10,000 from 2500

Yes it went from 2500 to 10,000 limit. I applied my card last year in march.  At that time it was 5000  .. iasked  them to decrease the balance  and post to another bank of america card.

 

thanks

Message 12 of 22
Moderator Emerita

Re: bank of america CLI to 10,000 from 2500

So you have two separate cc's with BoA. One opened in March 2012 init CL was $5000. You asked them to divide that $5k CL in half and place on another cc. That second cc limit went from $2500 to $10k based on your request that was initially declined but you received a letter saying it was approved.

Is that correct so far?
Message 13 of 22
Senior Contributor

Re: bank of america CLI to 10,000 from 2500


SRAGS wrote:

Yes it went from 2500 to 10,000 limit. I applied my card last year in march.  At that time it was 5000  .. iasked  them to decrease the balance  and post to another bank of america card.

 

thanks


Ok, there appears to be some confusion from your post.  It appears/sounds like you mentioned there are (2) BofA cards, what is the current credit limit and what kind of product is for each card?

Message 14 of 22
Super Contributor

Re: bank of america CLI to 10,000 from 2500

Cash rewards was a 5k siggy, transferred some of the limit for a second card, vut the cash rewards stayed a siggy apparently, so the CL never reported?
Message 15 of 22
Regular Contributor

Re: bank of america CLI to 10,000 from 2500

Bank of america visa platinum plus  500  ( SECURED) opened in 2008 march.   Now unsecured  and the limit was  12500

 

 

BANK OF  cash rewards  visa signature  opened  in march 2012   intial limit was 5000..   Decreased it to 2500  in march 2012 and asked to post 2500 to visa platinum.  At that time my in march 2012 visa platinum plus was 10,000 card   and increased to 12500.

 

bank of cash rewards visa signature.  2500.

 

now cash rewards visa signature limit increased  from 2500 to 10,000.

 

thanks.

Message 16 of 22
Established Contributor

Re: bank of america CLI to 10,000 from 2500

congrats on the huge CLI!

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 17 of 22
Senior Contributor

Re: bank of america CLI to 10,000 from 2500


SRAGS wrote:

Bank of america visa platinum plus  500  ( SECURED) opened in 2008 march.   Now unsecured  and the limit was  12500.  This card will report the limit on the CR because it is not a Visa Signature product. 

 

BANK OF  cash rewards  visa signature  opened  in march 2012   intial limit was 5000..   Decreased it to 2500  in march 2012 and asked to post 2500 to visa platinum.  At that time my in march 2012 visa platinum plus was 10,000 card   and increased to 12500.

 

bank of cash rewards visa signature.  2500. 

 

now cash rewards visa signature limit increased  from 2500 to 10,000.  This card will not report the limit on the CR since it is a Visa Signature product.  Only the balance (high credit) on this card will be reported whenever any of the following occur: (a) mid-cycle reporting if any changes occur on your account (i.e. address changes, product changes, etc) and/or (b) if you let any balance report at the end of the statement cycle.

 

thanks.



 

Message 18 of 22
Regular Contributor

Re: bank of america CLI to 10,000 from 2500

Oh... is it. VISA SIGNATURE  cards won't report any limits to CRs. ohhhh.. iam new to this...learning.

 

 

Even when  i was checking my total cards limits  this was not inculded. and no limit was showing on all 3 bureaus. only how much iam spending shows.

it smiply show flexible spending.

 

thanks.

 

What is that EMV  chip...can i ask them/ is it have any importance...

 

thanks..

Message 19 of 22
Senior Contributor

Re: bank of america CLI to 10,000 from 2500


SRAGS wrote:

Oh... is it. VISA SIGNATURE  cards won't report any limits to CRs. ohhhh.. iam new to this...learning.

 

 

Even when  i was checking my total cards limits  this was not inculded. and no limit was showing on all 3 bureaus. only how much iam spending shows.

it smiply show flexible spending.

 

thanks.

 

What is that EMV  chip...can i ask them/ is it have any importance...

 

thanks..


Correct - for BofA Visa Signature products, the CLs do not report.  However, it really depends on whether you want to downgrade your current Visa Signature to Platinum (a matter of preference if utilization/reporting is important to you).

The EMV smart chip technology gives the card greater acceptance when you travel outside of the U.S. (i.e. the UK, Canada, Australia, UAE, etc.) and provides better security.  Most establishments (e.g. Europe/Asia) have issues reading from the standard mag stripe.

 

Message 20 of 22