Credit Cards

[MsRN2000]

---

future wrote:

just curious, everyone who asked and receive a cli what was the apr on the cardand which boa card was it

---

APR: 9.90

Card: Bank of America Platnum Plus (Sigma Theta Tau Honor Society of Nursing Card)

[future]

my mother was a nurse.  i hold nurses in a high regard.. much success with your nursing career

[MsRN2000]

---

future wrote:

my mother was a nurse.  i hold nurses in a high regard.. much success with your nursing career

---

  Thank you.

[BBYGRL]

---

MsRN2000 wrote:

---

BBYGRL wrote:

Will do.  Which number did you use? My card is clear plastic which makes it difficult to read the 800 numbers on the back.

Message Edited by BBYGRL on 11-04-2007 05:17 PM

---

Try: 800-421-2110

---

I called the 800 number you gave me and before I could request to speak to a cust rep, the automated service said that I have $10,000 available for cash advances. I guess the CLI went thorough automatically. I was hoping to go from $2,500 to $5k and they gave me $10k instead. Should I ask if it was a hard pull?

[MsRN2000]

---

BBYGRL wrote:

I called the 800 number you gave me and before I could request to speak to a cust rep, the automated service said that I have $10,000 available for cash advances. I guess the CLI went thorough automatically. I was hoping to go from $2,500 to $5k and they gave me $10k instead. Should I ask if it was a hard pull?

---

   That's GREAT!!! Congrats!

When you requested the limit, did you specify how much you wanted? 

I don't think they do hard inquiries for CLI - But, if it would make you feel better, go ahead and ask or look at your Experian report.  My soft inquiry w/ the CLI showed up almost immediately on my Experian report. 

[BBYGRL]

---

MsRN2000 wrote:

---

BBYGRL wrote:

I called the 800 number you gave me and before I could request to speak to a cust rep, the automated service said that I have $10,000 available for cash advances. I guess the CLI went thorough automatically. I was hoping to go from $2,500 to $5k and they gave me $10k instead. Should I ask if it was a hard pull?

---

   That's GREAT!!! Congrats!

When you requested the limit, did you specify how much you wanted? 

I don't think they do hard inquiries for CLI - But, if it would make you feel better, go ahead and ask or look at your Experian report.  My soft inquiry w/ the CLI showed up almost immediately on my Experian report. 

---

No, I did not specify. I asked for an increase I was qualified for. What was that expression, "Watch what you ask for?" It applies here in deed.  Thank your for your encouragement. I was going to let it go. I'll pull my CR to see where the inquiry will land.

[MsRN2000]

---

BBYGRL wrote:

No, I did not specify. I asked for an increase I was qualified for. What was that expression, "Watch what you ask for?" It applies here in deed.  Thank your for your encouragement. I was going to let it go. I'll pull my CR to see where the inquiry will land.

---

No problem.  I'm glad it all worked out.  I wouldn't pay and pull an extra report if you weren't gonna pull one now anyway (unless you have on of the monitoring services and it's already paid for).  I don't think that it would hurt that bad - you may wanna wait a while to see how your scores look after the new card and high limit has been applied.  Besides, the higher limit will help your overall utilization - You may not see that much of a change (IF they pulled hard - Also, I'd be willing to bet they pulled soft as they did for me). 

Congrats again on your CLI.  Use it wisely, focus on increasing FICO scores and building & maintaining better overall credit.  (NEVER, NEVER pay late & always pay more than the minimum)