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Frequent Contributor
youngman1234
Posts: 460
Registered: ‎02-27-2012
0

Crzy LOV from BoA u won't believe this !!!!

So I have 3 credit cards from BOA

Cash rewards- $8500 limit... 8499 balance
Acc Amex- $7500 limit...7300 balance
Plat - $10000 limit...9800 balance


Paid 16k the the 14th to pay the cards off and then charged 16,500 2 days later that's the 8499 and 7300 balance as of today. Also the 9800 is current balance as of right now...

Long story short the plat plus I had them convert it to a cash back, they have me a sig visa... I called in today yes I still owe 9800 on a 10,000 limit.. I asked them how the sig works and will It let me charge more than my limit... Rep said why I told her I need to charge 18k to buy stuff on blk Friday... My house got messed up with the hurricane so need to replace stuff. She said that the sig card approves charges on a case by case basis. She then said why dont u ask for a credit limit increase, I told her I just got one last month on a 3 cards for a total of 8500 Increase all on all cards..she said let me get in touch with a credit analyst supervisor she got me over to him he asked why I needed to spend so much and saw the payment history and usage...he said how much will u charge I said first off I'm making a payment Tom for 9800 to pay off the balance, and then I will charge 18k on Friday he said so let's try to see if we can give u 20k.... 5 mins later BAM 20k limit event bough balance is 9800 still.... I love Bank of America best bank ever !!!!
Valued Contributor
mxp114
Posts: 1,381
Registered: ‎09-01-2011
0

Re: Crzy LOV from BoA u won't believe this !!!!

Only $20k? I expected at least $100k was extended. Congrats tho.

Valued Contributor
dodgerslv
Posts: 1,843
Registered: ‎06-16-2012
0

Re: Crzy LOV from BoA u won't believe this !!!!


youngman1234 wrote:
So I have 3 credit cards from BOA

Cash rewards- $8500 limit... 8499 balance
Acc Amex- $7500 limit...7300 balance
Plat - $10000 limit...9800 balance


Paid 16k the the 14th to pay the cards off and then charged 16,500 2 days later that's the 8499 and 7300 balance as of today. Also the 9800 is current balance as of right now...

Long story short the plat plus I had them convert it to a cash back, they have me a sig visa... I called in today yes I still owe 9800 on a 10,000 limit.. I asked them how the sig works and will It let me charge more than my limit... Rep said why I told her I need to charge 18k to buy stuff on blk Friday... My house got messed up with the hurricane so need to replace stuff. She said that the sig card approves charges on a case by case basis. She then said why dont u ask for a credit limit increase, I told her I just got one last month on a 3 cards for a total of 8500 Increase all on all cards..she said let me get in touch with a credit analyst supervisor she got me over to him he asked why I needed to spend so much and saw the payment history and usage...he said how much will u charge I said first off I'm making a payment Tom for 9800 to pay off the balance, and then I will charge 18k on Friday he said so let's try to see if we can give u 20k.... 5 mins later BAM 20k limit event bough balance is 9800 still.... I love Bank of America best bank ever !!!!

That is awesome and congrats on the increase!!! I have a secured BOA card with a 2000 limit that i opened in May of this year....even though i have read some bad reviews about the bank from previous customers, i hope the card can grow with me and build a long history with them!


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: Crzy LOV from BoA u won't believe this !!!!

Congrats Awesome increase!

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Crzy LOV from BoA u won't believe this !!!!


youngman1234 wrote:
 I love Bank of America best bank ever !!!!

I think they're more worried about pissing off hurricane victims to avoid bad press. BOA worst bank ever when you want to close their accounts and wants to charge you $12 after 13 years of being with them for a cashiers check, and rather have you walk out with 50k+ in cash.

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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HiLine
Posts: 3,176
Registered: ‎10-19-2012
0

Re: Crzy LOV from BoA u won't believe this !!!!


dodgerslv wrote:

youngman1234 wrote:
So I have 3 credit cards from BOA

Cash rewards- $8500 limit... 8499 balance
Acc Amex- $7500 limit...7300 balance
Plat - $10000 limit...9800 balance


Paid 16k the the 14th to pay the cards off and then charged 16,500 2 days later that's the 8499 and 7300 balance as of today. Also the 9800 is current balance as of right now...

Long story short the plat plus I had them convert it to a cash back, they have me a sig visa... I called in today yes I still owe 9800 on a 10,000 limit.. I asked them how the sig works and will It let me charge more than my limit... Rep said why I told her I need to charge 18k to buy stuff on blk Friday... My house got messed up with the hurricane so need to replace stuff. She said that the sig card approves charges on a case by case basis. She then said why dont u ask for a credit limit increase, I told her I just got one last month on a 3 cards for a total of 8500 Increase all on all cards..she said let me get in touch with a credit analyst supervisor she got me over to him he asked why I needed to spend so much and saw the payment history and usage...he said how much will u charge I said first off I'm making a payment Tom for 9800 to pay off the balance, and then I will charge 18k on Friday he said so let's try to see if we can give u 20k.... 5 mins later BAM 20k limit event bough balance is 9800 still.... I love Bank of America best bank ever !!!!

That is awesome and congrats on the increase!!! I have a secured BOA card with a 2000 limit that i opened in May of this year....even though i have read some bad reviews about the bank from previous customers, i hope the card can grow with me and build a long history with them!


 

You got possibly the best secured card on the market. This card can grow along your entire credit history. Make sure to treat it well. I have only good things to say about my experience with BofA. 

Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Crzy LOV from BoA u won't believe this !!!!


youngman1234 wrote:
So I have 3 credit cards from BOA

Cash rewards- $8500 limit... 8499 balance
Acc Amex- $7500 limit...7300 balance
Plat - $10000 limit...9800 balance


Paid 16k the the 14th to pay the cards off and then charged 16,500 2 days later that's the 8499 and 7300 balance as of today. Also the 9800 is current balance as of right now...

Long story short the plat plus I had them convert it to a cash back, they have me a sig visa... I called in today yes I still owe 9800 on a 10,000 limit.. I asked them how the sig works and will It let me charge more than my limit... Rep said why I told her I need to charge 18k to buy stuff on blk Friday... My house got messed up with the hurricane so need to replace stuff. She said that the sig card approves charges on a case by case basis. She then said why dont u ask for a credit limit increase, I told her I just got one last month on a 3 cards for a total of 8500 Increase all on all cards..she said let me get in touch with a credit analyst supervisor she got me over to him he asked why I needed to spend so much and saw the payment history and usage...he said how much will u charge I said first off I'm making a payment Tom for 9800 to pay off the balance, and then I will charge 18k on Friday he said so let's try to see if we can give u 20k.... 5 mins later BAM 20k limit event bough balance is 9800 still.... I love Bank of America best bank ever !!!!

Just a thought but if you charge that close to the limits and PIF each month you sound like a great match for an AMEX charge product.

ccpics2.jpg
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Crzy LOV from BoA u won't believe this !!!!


beb86 wrote:

youngman1234 wrote:
So I have 3 credit cards from BOA

Cash rewards- $8500 limit... 8499 balance
Acc Amex- $7500 limit...7300 balance
Plat - $10000 limit...9800 balance


Paid 16k the the 14th to pay the cards off and then charged 16,500 2 days later that's the 8499 and 7300 balance as of today. Also the 9800 is current balance as of right now...

Long story short the plat plus I had them convert it to a cash back, they have me a sig visa... I called in today yes I still owe 9800 on a 10,000 limit.. I asked them how the sig works and will It let me charge more than my limit... Rep said why I told her I need to charge 18k to buy stuff on blk Friday... My house got messed up with the hurricane so need to replace stuff. She said that the sig card approves charges on a case by case basis. She then said why dont u ask for a credit limit increase, I told her I just got one last month on a 3 cards for a total of 8500 Increase all on all cards..she said let me get in touch with a credit analyst supervisor she got me over to him he asked why I needed to spend so much and saw the payment history and usage...he said how much will u charge I said first off I'm making a payment Tom for 9800 to pay off the balance, and then I will charge 18k on Friday he said so let's try to see if we can give u 20k.... 5 mins later BAM 20k limit event bough balance is 9800 still.... I love Bank of America best bank ever !!!!

Just a thought but if you charge that close to the limits and PIF each month you sound like a great match for an AMEX charge product.


 

I agree... pr gold or platinum for sure if you travel a lot.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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MyFICO Fitness Goal: 800s Club!



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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Crzy LOV from BoA u won't believe this !!!!

You only need 20k at my bank or a mortgage/heloc to get that waived (cashiers checks)
Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: Crzy LOV from BoA u won't believe this !!!!

So very sorry to hear about your troubles with Sandy, but so glad they were able to offer you some assistance.  Congrats


Starting Score: 722
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