@Anonymous wrote:
@pizza1 wrote:Im done with lenders who arent willing to grow with me, and who can clearly see my other limits with other lenders, and not willing to look past my BK.
Ive had my BOFA cc for a yr and a half now. (Some here may say that its really not that long to have a card with a lender, but I say it is). Started as the 99/500 partially secure, and then unsecured at 5 months in June 2016, and a small cli to $1500 at that time. My limit has been that for a year now. Use/PIF/rinse and repeat, every single month for the last 18mo.
My card has been fully unsecured for a year now, and 18mo of payment history with them, but yet still declined for a cli due to "bk". Whatever.....that was 4 yrs ago. The "senior credit analyst" are a joke. So, had to pay to unfreeze TU (mandatory in my state), and took a HP for nothing....again.
I mean c'mon....you could have given me anything even 500 to move the CL some, but no. So, I closed it right then while on the phone. I have a feeling that my CL would have stayed that way till the BK fell off reports or dang close to it anyways, and Im not gonna wait 6 more years for a CLI with anyone...period. I think Ive proven myself since my BK. I undertand its the lenders perrogative to approve or decline for whatever reasons, and I have same.
a few data....BOFA was not IIB(never had a relationship with them in any way ever until now), my overall util reporting was at 1%, my BOFA cc was at $0 bal, and not sure on score probally 679.
Some of you might think it was a emotional reaction closing the card, or a stupid one because "they can grow big". True....for some thats the case, but not for all. Oh well, at least I cracked them post BK, so that challenge was done. I have plenty of other credit, and lenders that are growing nicely with me, and will love the extra swipes now.
Pizza1, you have been one of my favorite posters since my initial arrival here, and upon my return I found you even more impressive, due to that EPIC recon call with Chase, which at the time may have been a record(I believe Bella007 has it now, possibly emboldened by your post!) for shortness of time getting back with Chase after IIB. I've even quoted your endeavors in multiple threads. Your work is playing a HUGE influence on my plans around the New Year.
All of that said, I'm also going to try to get back in with BOA, who I IIBed, despite this thread from someone whose work I follow/respect! It would have been interesting to see if things had changed once your scores got a bit higher. You mentioned the spend, pay, lather, rinse, repeat....but did you ever try "active disinterest", a pickup artist technique? Picture the bank as a female, the one who calls the shots, and you as the guy, trying to get her to place more value on you. I know this may differ by lender and situation, but I've had experience where after doing some of the paying and getting nothing, I purposefully neglected the card for a time...showing disinterest, and llike getting the chick who is like a cat who enjoys trying to get the string for hours until you drop it at their paws and they suddenly dont care about it anymore, in my experience some banks can behave similarly. Have you tried completely ignoring the card for a few months immediately before trying the CLI? That's the one thing I'm REALLY curious about in this thread!
I plan to try for one in 6 months. My scores are higher, but I IIBed them, so who knows?. Seemingly like you, I want it more for the challenge on my "credit bucket list", and really hope I have a chance to get in. If I can, hopefully I can add some data points about CLIs once scores are higher. I may be seeking your advice as the new year approaches, as I admire your ability to recon on post-BK prime apps. Do you offer any "pay for live recon training/coaching" over the phone? I (mostly) seriously think it might be a hit on here, and quite useful! Has anyone suggested that yet?
oh WOW! Gosh, thank you so much for that CaptainJ!!! That was super nice of you to say that...really, I appreciate that a lot
LOL on the "live recon training", LOL...I just sometimes dont like to take NO for an answer. hahah...
I mean, when I want something, I go after it full force whether is in credit cards or life in general, I have a very "assertive" personality, and way with words sometimes.. I reconed Chase I dont know how many times, but got lucky with a nice UW. That phone call was like 45 min+. lol
Lol, very true zipperhead
Ive reached my peak with Boa at about 10k seeing as i have no significant money in the bank or with them, their " love" only extends as far as my credit worthiness allows
Whats that saying, " No money...No honey"
Ive reached my peak with Boa at about 10k seeing as i have no significant money in the bank or with them, their " love" only extends as far as my credit worthiness allows
Whats that saying, " No money...No honey"
@NRB525 wrote:Pizza you are free to close any card you decide to. I would not have, but I have a longer relationship with BofA, including CLD over several years. Their cards remain useful to me, and they have been evolving some "step-child affiliation cards" to somewhat better rewards. Then there are the BT offers and BankAmeriDeals. Age of accounts on two are a factor for me.
With these changes, what does your card portfolio look like now?
Hey NRB...My card porfolio you ask? you sure you wanna know? LOLOL...its not too shabby
Navy Cash Rewards Visa-$25k
Navy Plat Visa-$17.5k
Cap1 Venture Visa-$48k
Barclay Arrival MC-$7090k (dont ask me about that weird number either, lol)
Nordstrom Visa-$17.5k
Stash Visa-$12k
Sams MC-$15k
Discover iT-$6.3k
Discover Miles-$3.5k
Penfed Plat rewards Visa-$5k
Blispay Visa-$5k
Chase Amazon Visa-$3k
Alliant Plat VIsa-$500 (this one will need to move next, or its history as well)
Pottery Barn-$36.3k
Macys-$21k
Bloomingdales-$21k
Home Depot-$15k
Target-$800
Tiffany &Co.-$4k (hidden tradline)
@CreditMagic7 wrote:I been watching this for a couple of years now pizza and seen the same thing over and over again.
There are only so many such tied in "relationships" one (or a couple) can reasonably take on and so i learned to just chalk that part up to marketing tactic.
For example a US Bank cc that was in good standing over 5 years and it barely squeezed out a mere $3K for CLI's during that entire period.
It's just the way that some institutions expect it to be before they loosen strings but i highly agree with the fact we would have mountains of savings/checking accounts if that was a route to take which for most of us doesn't quite click with some sanity of maintaining.
By the way great to see you
Always good to see you too CM7!!! Miss your face around here!
As far the "banking" relationships go..I hear ya...I barely have the strength to manage the ones I have now, lol..CC's are a dime a dozen
@luxeprw9 wrote:I understand your frustration, as I have been at my initial $500 SL since 2014! LOL! I was shot down for a increase last year - even though I was complimented on my excellent use and payment history! LOL!
BUT I am willing to wait until my BK13 falls off next year to try for a CLI because I absolutely LOVE my banking/investment relationship with BOA/ML. Even though the limit is small, I run about 80% of my spending thru this card and pay it off a couple of times per week. It's attached to my checking, so it's just a few clicks - hardly an inconvenience. Also, I'm a Platinum Plus Honors client and the customer service is magnificent.
I feel like my patience will be rewarded once my files are clean. So until then, I wait........
Im sure your patience will pay off for you in the end. Im not that patient, LOL..Look forward to seeing your posts about your new CL in the furture though!
@Anonymous wrote:
pizza1 I read your post and it closely mirrors my exact experience with BofA. They would not budge and I closed them out. Truth, no problem not looking back. Circumstances follow yours and I looked for growth ... none!
yes indeed Dinosaur, I remember well your issues too. 
@Anonymous wrote:If you have pulled your FICO scores, you have seen the little risk slope that shows the likelihood of you falling behind in your payments. While you may think your risk to the bank is zero, it is in fact far from that. 679 is very close to the next tier below 670, where 28 percent of those folks go delinquent. In the end, credit it's just a numbers game, banks love you with money, and without, well not so much.
those are just scores...and Id have scores in the 730-740 range right now if I hadnt gone bat $%#&^@ crazy with apps and new accts over the last 4 years Plus I have a paid tax lien and 6 IIB accts still showing. So actually, Im surprised its as high as it is