@myjourney wrote:
@FinStar wrote:
@Anonymous wrote:I have 2 BoA cash rewards credit cards. This was a year ago when i first wanted a CC. Suprisingly when i was approved they sent me two of the same cards. 1 was with a 1000 CL and another that's secured with 500 CL. I have no idea why, but i kept both of them, and aged them. The secured 500 graduated about 6 months later to unsecured and CLI to 2000. And the 1000 got a CLI to 3800. the 2000 has a AF of $39 and i really dont like that. Is it worth combining the balances together, try to waive the $39, get a PC on the AF card, or let them age for a bit more? They're both getting to be a year old in april
Combining Balances... By your title, do you mean, combining Credit Lines/Limits? Are you carrying any balances on any of the cards? If your ultimately goal is to simplify and carry one vs two, you can combine the CLs, but be aware that BOA will likely do a HP to reallocate the CL from the donor card.
+1 correct
As a matter of fact if they can link you to this post they already HP'ed you...Lol
BofA is HP happy
They are. When i requested a CLI on online account luv button. I got approved, but it wasnt what i wanted. I called the back door number and asked for a recon. They did another HP. 2 HP for 2 small CLI's 
@Anonymous wrote:
@myjourney wrote:
@FinStar wrote:
@Anonymous wrote:I have 2 BoA cash rewards credit cards. This was a year ago when i first wanted a CC. Suprisingly when i was approved they sent me two of the same cards. 1 was with a 1000 CL and another that's secured with 500 CL. I have no idea why, but i kept both of them, and aged them. The secured 500 graduated about 6 months later to unsecured and CLI to 2000. And the 1000 got a CLI to 3800. the 2000 has a AF of $39 and i really dont like that. Is it worth combining the balances together, try to waive the $39, get a PC on the AF card, or let them age for a bit more? They're both getting to be a year old in april
Combining Balances... By your title, do you mean, combining Credit Lines/Limits? Are you carrying any balances on any of the cards? If your ultimately goal is to simplify and carry one vs two, you can combine the CLs, but be aware that BOA will likely do a HP to reallocate the CL from the donor card.
+1 correct
As a matter of fact if they can link you to this post they already HP'ed you...Lol
BofA is HP happy
They are. When i requested a CLI on online account luv button. I got approved, but it wasnt what i wanted. I called the back door number and asked for a recon. They did another HP. 2 HP for 2 small CLI's
Lol Congrats based on this new information BofA fed it into their algorithm of clients and came up with a name and account
You may wish to check your reports because BofA just HP'ed your credit Lol
@Anonymous wrote:
@myjourney wrote:
@FinStar wrote:
@Anonymous wrote:I have 2 BoA cash rewards credit cards. This was a year ago when i first wanted a CC. Suprisingly when i was approved they sent me two of the same cards. 1 was with a 1000 CL and another that's secured with 500 CL. I have no idea why, but i kept both of them, and aged them. The secured 500 graduated about 6 months later to unsecured and CLI to 2000. And the 1000 got a CLI to 3800. the 2000 has a AF of $39 and i really dont like that. Is it worth combining the balances together, try to waive the $39, get a PC on the AF card, or let them age for a bit more? They're both getting to be a year old in april
Combining Balances... By your title, do you mean, combining Credit Lines/Limits? Are you carrying any balances on any of the cards? If your ultimately goal is to simplify and carry one vs two, you can combine the CLs, but be aware that BOA will likely do a HP to reallocate the CL from the donor card.
+1 correct
As a matter of fact if they can link you to this post they already HP'ed you...Lol
BofA is HP happy
They are. When i requested a CLI on online account luv button. I got approved, but it wasnt what i wanted. I called the back door number and asked for a recon. They did another HP. 2 HP for 2 small CLI's
That about sounds like BOA but it doesn't always happen for everyone. The key with BOA is strategy in order to use 1 HP (at most) and have a better yield on the CLIs (or reallocation), especially across multiple cards.
@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
@FinStar wrote:
@Anonymous wrote:I have 2 BoA cash rewards credit cards. This was a year ago when i first wanted a CC. Suprisingly when i was approved they sent me two of the same cards. 1 was with a 1000 CL and another that's secured with 500 CL. I have no idea why, but i kept both of them, and aged them. The secured 500 graduated about 6 months later to unsecured and CLI to 2000. And the 1000 got a CLI to 3800. the 2000 has a AF of $39 and i really dont like that. Is it worth combining the balances together, try to waive the $39, get a PC on the AF card, or let them age for a bit more? They're both getting to be a year old in april
Combining Balances... By your title, do you mean, combining Credit Lines/Limits? Are you carrying any balances on any of the cards? If your ultimately goal is to simplify and carry one vs two, you can combine the CLs, but be aware that BOA will likely do a HP to reallocate the CL from the donor card.
+1 correct
As a matter of fact if they can link you to this post they already HP'ed you...Lol
BofA is HP happy
They are. When i requested a CLI on online account luv button. I got approved, but it wasnt what i wanted. I called the back door number and asked for a recon. They did another HP. 2 HP for 2 small CLI's
Lol Congrats based on this new information BofA fed it into their algorithm of clients and came up with a name and account
You may wish to check your reports because BofA just HP'ed your credit Lol
pretty sure they saw this and already HP'd me lol. On a serious note. Are there any other cards that i can PC to with decent cash back rewards without having to HP again or is it inevitable
@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
@FinStar wrote:
@Anonymous wrote:I have 2 BoA cash rewards credit cards. This was a year ago when i first wanted a CC. Suprisingly when i was approved they sent me two of the same cards. 1 was with a 1000 CL and another that's secured with 500 CL. I have no idea why, but i kept both of them, and aged them. The secured 500 graduated about 6 months later to unsecured and CLI to 2000. And the 1000 got a CLI to 3800. the 2000 has a AF of $39 and i really dont like that. Is it worth combining the balances together, try to waive the $39, get a PC on the AF card, or let them age for a bit more? They're both getting to be a year old in april
Combining Balances... By your title, do you mean, combining Credit Lines/Limits? Are you carrying any balances on any of the cards? If your ultimately goal is to simplify and carry one vs two, you can combine the CLs, but be aware that BOA will likely do a HP to reallocate the CL from the donor card.
+1 correct
As a matter of fact if they can link you to this post they already HP'ed you...Lol
BofA is HP happy
They are. When i requested a CLI on online account luv button. I got approved, but it wasnt what i wanted. I called the back door number and asked for a recon. They did another HP. 2 HP for 2 small CLI's
Lol Congrats based on this new information BofA fed it into their algorithm of clients and came up with a name and account
You may wish to check your reports because BofA just HP'ed your credit Lol
pretty sure they saw this and already HP'd me lol. On a serious note. Are there any other cards that i can PC to with decent cash back rewards?
FinStar will be back in a second he's the BofA expert....I stay away from HP happy lenders...I'm a bonus chaser and I need all my HP's 
Hey Fin ...your up
@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
@FinStar wrote:
@Anonymous wrote:I have 2 BoA cash rewards credit cards. This was a year ago when i first wanted a CC. Suprisingly when i was approved they sent me two of the same cards. 1 was with a 1000 CL and another that's secured with 500 CL. I have no idea why, but i kept both of them, and aged them. The secured 500 graduated about 6 months later to unsecured and CLI to 2000. And the 1000 got a CLI to 3800. the 2000 has a AF of $39 and i really dont like that. Is it worth combining the balances together, try to waive the $39, get a PC on the AF card, or let them age for a bit more? They're both getting to be a year old in april
Combining Balances... By your title, do you mean, combining Credit Lines/Limits? Are you carrying any balances on any of the cards? If your ultimately goal is to simplify and carry one vs two, you can combine the CLs, but be aware that BOA will likely do a HP to reallocate the CL from the donor card.
+1 correct
As a matter of fact if they can link you to this post they already HP'ed you...Lol
BofA is HP happy
They are. When i requested a CLI on online account luv button. I got approved, but it wasnt what i wanted. I called the back door number and asked for a recon. They did another HP. 2 HP for 2 small CLI's
Lol Congrats based on this new information BofA fed it into their algorithm of clients and came up with a name and account
You may wish to check your reports because BofA just HP'ed your credit Lol
pretty sure they saw this and already HP'd me lol. On a serious note. Are there any other cards that i can PC to with decent cash back rewards?
FinStar will be back in a second he's the BofA expert....I stay away from HP happy lenders...I'm a bonus chaser and I need all my HP's
Hey Fin ...your up
my current cards are QS1, Chase Slate, Chase Freedom (coming), 2x Cash Rewards and Discover IT