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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: BofA Luv Button Disappeared


Uncle_Money wrote:

I had the luv button all along so I don't understand why they removed it.

 

I have a prime card, which is the accelerated rewards Amex card with a $10,500 limit. I should probably call to see what's going on.



Did you check again today? Their websites got messed up the last several days. Maybe it was in electron limbo or something.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Goosey
Posts: 17
Registered: ‎02-18-2008
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Re: BofA Luv Button Disappeared

Is it a bad idea to ask for a CLI when I'm carrying a balance and have high utilization?

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haulingthescoreup
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Re: BofA Luv Button Disappeared


Goosey wrote:

Is it a bad idea to ask for a CLI when I'm carrying a balance and have high utilization?



In this day and age, yes, it is.

You want to keep flying under their radar as best as you can, and get those balances down ASAP. (Easy to say, I know. :smileytongue: )
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
Goosey
Posts: 17
Registered: ‎02-18-2008
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Re: BofA Luv Button Disappeared


haulingthescoreup wrote:

Goosey wrote:

Is it a bad idea to ask for a CLI when I'm carrying a balance and have high utilization?



In this day and age, yes, it is.

You want to keep flying under their radar as best as you can, and get those balances down ASAP. (Easy to say, I know. :smileytongue: )

 

Ya I'm pretty scared to hit the luv button for fear it'll trigger a hard look at my account. I'm just hoping for an automatic CLI at this point.
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Uncle_Money
Posts: 530
Registered: ‎07-28-2008
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Re: BofA Luv Button Disappeared

Hi Hauling,

 

Check out this screenshot...

 

 

 

It used to be on the left side! I'm planning on going for an increase in early November so that's why I'm a little bothered by this. Especially since I have an excellent record with them.

Equifax Fico 785 as of 01/18/2012
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: BofA Luv Button Disappeared

Not too many auto-CLI's coming from BofA these days and I suspect no time soon either.
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haulingthescoreup
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Re: BofA Luv Button Disappeared

Uncle Money, you're right, it seems to be gone.

Have you missed a payment date by a couple of days or anything recently? Has your BT offer always been 9.99%? I'm wondering if they got mad at you for something.

I don't know that I would call to ask what happened, unless you're OK with losing the whole account. BofA seems awfully twitchy these days.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Uncle_Money
Posts: 530
Registered: ‎07-28-2008
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Re: BofA Luv Button Disappeared

Nothing of the sort. I not only pay on time, I usually pay way before the due date. BT has always been 9.99%.

 

What do you mean by "losing the whole account?" I haven't given them any reason at all to mess with me in any way.

Equifax Fico 785 as of 01/18/2012
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haulingthescoreup
Posts: 28,115
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Re: BofA Luv Button Disappeared

Well, it doesn't look like you did anything to trigger the luv button's removal, then.

There are several threads going around in the last few days where members called CS to ask for a CLI, etc., and their accounts were promptly closed.

I'd love to try to do a product change on my BofA card one day, but I'm not poking them with a stick at the moment. Not until they're out of their present mood.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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hemi961
Posts: 239
Registered: ‎11-05-2008
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Re: BofA Luv Button Disappeared

Mine was there tonight so I went ahead and hit it. I like to give them an opportunity about once a month to send me a letter explaining that I have sufficient credit with them. The card has a date with my shredder in December anyway, so if they close it I'll save a little electricity.

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