08-13-2012 08:09 AM
08-13-2012 08:11 AM
I would wait 6 mos. if you call back and ask now they are gonna do another hp and might deny you
08-13-2012 08:17 AM
08-13-2012 08:37 AM
They usually tell you product changes will take 2-4 weeks, and it was closer to 4 weeks than 2 weeks for a lot of us. I don't have a BOA checking/savings, my card was unsecured 6/21 and the refund check got here 6/29, so not very long. If you have a BOA checking/savings they should be able to do it electronically within a couple days.
That's a little unfortunate you might have to wait 6 months for a CLI. I didn't get an auto-cli at graduation either (i was graduated early, right after i asked to PC to a secured rewards card), but after the product change was completed, i hit the CLI button and went from 1.2K to 3K(they prompted me to call for an instant decision, and i did that same day).
08-17-2012 10:33 AM - edited 04-01-2013 05:53 PM
*** Update 8/17/2012****
I called back a week later to get CLI and it was approved for 1k using the same credit report from the previous week so no extra hard pull.
I used the love button for 5K credit limit, I was decline but I waited to get my letter in the mail. I gave the backdoor number a call and asked for a recon and was approved for the 5k credit limit.
08-17-2012 10:48 AM
grats. i opened 4 accounts from feb-april(and i increaed my BOA deposit in april too) so i guess it was kinda bogus to say you were ineligible for 6 months because of recent accounts. Goes to show, you can't always rely on what the first rep tells you.
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