03-18-2009 08:11 AM
03-18-2009 08:14 AM
03-18-2009 08:41 AM
03-18-2009 08:45 AM
I called yesterday and had my 99/500 unsecured and they gave me an instant $500 CLI without asking. I also got a product change.
I'm sorry this happened to you. I would try calling back and asking someone else. Apparently their CSR's are all on different agendas because the first time I called I asked about getting a product change and the CSR I had said that I cannot do a product change and even if I did I would still have the AF. Then I called back and got a different CSR and she said a PC was no problem at all and there would be no AF associated it. Call back!
03-18-2009 11:12 AM
03-18-2009 12:25 PM
03-18-2009 01:36 PM
I got a secured card in June 2007 with a $1500 limit and in June 2008, it was unsecured with a $2000. I have systemmatically made on-time PIF since and was just declined for a CLI. My EX is 689. The ratings rep did subtlely hint that it would be helpful if I had another major card with a similar credit line.
Welcome to the forums!
BOA will normally try and be in the same ballpark as your highest CL. It makes them more comfortable giving out higher CLs when they see you have experience with them already.
Of course, that's somewhat of a Catch 22.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.