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BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Valued Member

BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Got approved for a 99/500 a yr ago, 6 months later increased from $500 to $1500 and 6 months /yesterday called backdoor #/  credit analyst to request to have my $39 annual fee permanently removed. ...and they did! Anyone having great luck with there secured/now unsecured 99/500 card?

13 REPLIES
Frequent Contributor

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!


jsnlwrnc wrote:

Got approved for a 99/500 a yr ago, 6 months later increased from $500 to $1500 and 6 months /yesterday called backdoor #/  credit analyst to request to have my $39 annual fee permanently removed. ...and they did! Anyone having great luck with there secured/now unsecured 99/500 card?


Congrats!

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Valued Member

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Thank you! They didn't increase my credit limit because my credit still isn't strong enough ugh!!

Established Contributor

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Did it unsecure?

 

~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
Valued Member

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Yes it was unsecured about 6 months ago the middle of December 2012

Moderator Emerita

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Valued Contributor

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Looks like BoA is pretty good. I'm glad I got in with them.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Blogger

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Valued Member

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

Ok so I know at this point no one is gonna believe me but today I called BOA to make sure my annual fee was reversed permanently as promised and the rep confirmed that it was! So I got the gumption to ask if my apr could be lowered too jokingly.  And the rep said " well im glad you asked about it. I see I can lower your apr from  20.24 to 16.24" "thanks for managing so well with your account" then he read script about if I miss payments etc that my apr can go to 29.99. He said" if you continue to manage your account well you should call back in 3 to 6 months and see if theres anything lower". I NEVER carry a balace *knock on wood* and literally use it for anything that takes visa...even my rent! But it was worth me asking! And they did it! The number ive been using is  1-866-421-8153  I would luv to know if other ppl havegood luck!

Moderator Emerita

Re: BOA 123 Cash REWARDS (99/500) annual fee rmvd!

@jsnlwrnc

That's awesome! I always ask when req a CLI...By the way... Can you lower my APR? All they can say is no.