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Bank of America CC w/ Bad History

Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 1 of 13
12 REPLIES
Valued Contributor

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)
Message 2 of 13
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 3 of 13
Valued Contributor

Re: Bank of America CC w/ Bad History

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

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 13
Valued Contributor

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)
Message 5 of 13
Valued Contributor

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)
Message 6 of 13
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 7 of 13
Valued Contributor

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
Message 8 of 13
Regular Contributor

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

Message 9 of 13
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 10 of 13