Reply
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Bank of America CC w/ Bad History

Alright guys, now that I'm out of the basement and into some weird level right above the basement, I can actually see light at the end of the tunnel.

 

I have a BOA Platinum Plus (Student) card that I've had open since 2006.  I treated the card terribly, letting it go 30+ late 3 times since I have had it, with the most recent being April of this year.  In addition, it was once over it's balance ($716/$600 by the way) and carried a balance on it for roughly 5 years straight, paying minimums god knows how many times.  Really just an awful way to treat a card.

 

By some miracle BOA hasn't closed this account.  But my question is, do I have any hope of reviving this relationship with BOA and maybe PCing or CLIing or have I pretty much written the chapter on that one?  Obviously, I wouldn't even ask them for anything until my last late ages at least a year, I'm just wondering if anyone has experienced this before.

 

Full disclosure to make matters worse:  I had a World Points Gold card from BOA as well that I let lapse to 90+ days late, and it was closed by them.  I paid them off in full before it was charged off, however, and now it sits as "Pays as Agreed" and closed (albeit closed by Grantor).

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Bank of America CC w/ Bad History

I had that same card since 2009. I went over my limit once 1017/1000 but never late. I recently called to pc it and they did it no problem. Just call and ask
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Bank of America CC w/ Bad History

They PCd??  That's pretty cool.  I still want to put a year between me and the last late I've posted, but that's good to know. 

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Bank of America CC w/ Bad History

Sorry, I should have asked, they did a hard pull right?

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Bank of America CC w/ Bad History

Nope. I asked if they needed to pull my credit or any info and they said no. They asked what card i wanted to pc to and thats it. It took a full month for the card to arrive and the account to change
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Bank of America CC w/ Bad History

The new card even came with the same "member since"
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Bank of America CC w/ Bad History

Wow.  That's pretty great.  I still don't know if my other derogs will keep me from any real growth, but a true PC from a student card at least shows it's possible.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Bank of America CC w/ Bad History


Jutz wrote:

They PCd??  That's pretty cool.  I still want to put a year between me and the last late I've posted, but that's good to know. 


This seems like a pretty good strategy to me. A year of good payment history and responsible use would probably be a better sign of futer credit worthiness, than a late from more than a year ago. I am no expert, but that's my $.02.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Regular Contributor
lionsfan20
Posts: 196
Registered: ‎11-26-2012
0

Re: Bank of America CC w/ Bad History

I have a question though , did they raise the limit when you changed?.

 

I have the platinum student for like 3 years and always used it well  , never over and late and they always refused to increase.

 

I havent tryed in a while but Id like to get an increase or just close the card because I refuse to use it anymore like this

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Bank of America CC w/ Bad History


lionsfan20 wrote:

I have a question though , did they raise the limit when you changed?.

 

I have the platinum student for like 3 years and always used it well  , never over and late and they always refused to increase.

 

I havent tryed in a while but Id like to get an increase or just close the card because I refuse to use it anymore like this


I think the key is to PC it first, because you've probably long outgrown the "Student" portion.  I'm sure there's probably a ceiling to that.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}