Ok well i called boa to see about the increase. It was denied due to 5 collection accounts that are 4 years old. And I had those accounts when i opened the account. She stated that as long as i had those accounts i would never get an increase. I have never been late on anything in the last 4 years. I think it is time i moved on from boa.
I also asked if i could over pay the account and then put my tuition on it she stated that it would not be a good idea. when u overpay your account it is automatically flagged for a review..
I wouldn't put 100% belief in what she's said. Not every csr will tell you the same thing. Wait a couple days & call at a different time of day & ask someone else their opinion.
Are your old collections paid?