Got a surprise call from a Bank of America senior account specialist today.

[Membersince2013]

After formalities, he cut to the chase. He asked why my uti has risen from 12% to 35% and why I've opened over 20 new accounts in the span of a year. I explained that the credit system is weird and that I actually do pay 90% of my accounts in full. I encouraged him to look at my boa accounts and see for himself. He then continued on saying he commends my efforts to always pay in full and he can see that it looks like I let my balances post before paying. He then said that they periodically do reviews on accounts and my spending patterns are somewhat alarming, but considering that I pay in full, he'll keep all my accounts open.
We exchanged more pleasantries and hung up. I felt really weird about the call though. Needless to say, no more apping for the next year and a half.

[Anonymous]

WOW! What a call!

[baller4life]

They're watching. They're always watching. Kinda creepy isn't it?

[skigirl916]

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@Membersince2013 wrote:
After formalities, he cut to the chase. He asked why my uti has risen from 12% to 35% and why I've opened over 20 new accounts in the span of a year.

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If you've opened 20 new accounts and had a 200% increase on UTL, I can see why they'd be concerned. UTL should be going in the opposite direction.

Why has your UTL gone up? You say you PIF and the balances just post, but that still suggests a significant increase in spending.

[Anonymous]

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@Membersince2013 wrote:
After formalities, he cut to the chase. He asked why my uti has risen from 12% to 35% and why I've opened over 20 new accounts in the span of a year. I explained that the credit system is weird and that I actually do pay 90% of my accounts in full. I encouraged him to look at my boa accounts and see for himself. He then continued on saying he commends my efforts to always pay in full and he can see that it looks like I let my balances post before paying. He then said that they periodically do reviews on accounts and my spending patterns are somewhat alarming, but considering that I pay in full, he'll keep all my accounts open.
We exchanged more pleasantries and hung up. I felt really weird about the call though. Needless to say, no more apping for the next year and a half.

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Interesting exchange.

This is actually how I got approved for my SallieMae card. I got an analyst who was willing to hear me out past the new accounts and when looking further into it saw I was letting balances post as well and then paying them down.

Good save!

[Anonymous]

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@skigirl916 wrote:

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@Membersince2013 wrote:
After formalities, he cut to the chase. He asked why my uti has risen from 12% to 35% and why I've opened over 20 new accounts in the span of a year.

---

If you've opened 20 new accounts and had a 200% increase on UTL, I can see why they'd be concerned. UTL should be going in the opposite direction.

Why has your UTL gone up? You say you PIF and the balances just post, but that still suggests a significant increase in spending.

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Perhaps he meant on just that card.

And you're supposed to be at happy hour!

[Anonymous]

Ehhh....20??

Youi kinda asked for it...lol

[Anonymous]

Sounds like you handled it very well. I would love to have a SCA call so I could shoot the bull and talk about my spending / credit report. It isn't every day that you get a chance to talk to someone that knows more (hopefully more) about credit than yourself. I am sure they want to just feel out their clients and make sure they have a method to their madness when they see a profile similar to yours. Enjoy all the new accounts!

[Anonymous]

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@Anonymous wrote:

Sounds like you handled it very well. I would love to have a SCA call so I could shoot the bull and talk about my spending / credit report. It isn't every day that you get a chance to talk to someone that knows more (hopefully more) about credit than yourself. I am sure they want to just feel out their clients and make sure they have a method to their madness when they see a profile similar to yours. Enjoy all the new accounts!

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+1

At least they called and didnt just hit the CLOSE button.

Just sayin...

[enharu]

Well it's a good thing they called. Most banks will just close (or freeze in Amex's case) and then ask questions later. With bank of America, it is a HP to get each account reopened.