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Frequent Contributor
Posts: 405
Registered: ‎10-20-2007
0

Re: Whee, CLI from BOA!

I got my BOA CC 11/07 with a 5k CL. I hit the luv button in Feb and got 10k...hit it again in June and got 15k. I've been itching to hit it again, but with all the credit mess and CLDs going on I figure I need to just fly under their radar since I'm carrying a balance right now from 0% no-fee BTs). I'll try to control myself. :smileytongue:
Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
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Re: Whee, CLI from BOA!

[ Edited ]

plasticguy wrote:
BANK OF AMERICA
Address:
POB 17054
WILMINGTON, DE 19884
(800) 421-2110
Account Number:

Address Identification Number:

Status:
Open/Never late.
Date Opened:
02/2004 Date of Status:
10/2008 Reported Since:
03/2004 Last Reported Date:
10/2008
Type:
Revolving Terms:
N/A Monthly Payment:

Responsibility:
Individual
Credit Limit:
$67,500

 

I was just confused about the credit line on the BoA World MasterCard. 

 

On 9-12-2008 (http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=107194#M107194) you posted that this card had a $70,000 credit limit:

 

Transfer to Bank of America World MasterCard - XXXX 1.99%Fixed Until April 2009 Low APR1 Offer ID: CL3MWM366 Start Saving Today Consolidate high-interest balances at a promotional rate of 1.99%. This offer applies to qualifying balances through your statement closing date in April 2009. Additional restrictions may apply. Review the terms and conditions for complete details. Available Credit: $70,0000

 

 

Note:  You really should inform Bank of America that there are only 4 zeros in $70,000.

 

 

Message Edited by psychic on 10-31-2008 12:04 PM
EQ 814 / TU 815 / EX 842
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: Whee, CLI from BOA!


psychic wrote:

plasticguy wrote:
BANK OF AMERICA
Address:
POB 17054
WILMINGTON, DE 19884
(800) 421-2110
Account Number:

Address Identification Number:

Status:
Open/Never late.
Date Opened:
02/2004 Date of Status:
10/2008 Reported Since:
03/2004 Last Reported Date:
10/2008
Type:
Revolving Terms:
N/A Monthly Payment:

Responsibility:
Individual
Credit Limit:
$67,500

 

I was just confused about the credit line on the BoA World MasterCard. 

 

On 9-12-2008 (http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=107194#M107194) you posted that this card had a $70,000 credit limit:

 

Transfer to Bank of America World MasterCard - XXXX 1.99%Fixed Until April 2009 Low APR1 Offer ID: CL3MWM366 Start Saving Today Consolidate high-interest balances at a promotional rate of 1.99%. This offer applies to qualifying balances through your statement closing date in April 2009. Additional restrictions may apply. Review the terms and conditions for complete details. Available Credit: $70,0000

 

 

Note:  You really should inform Bank of America that there are only 4 zeros in $70,000.

 

 

Message Edited by psychic on 10-31-2008 12:04 PM

LOL

 

 

Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

Re: Whee, CLI from BOA!


psychic wrote:

plasticguy wrote:
BANK OF AMERICA
Address:
POB 17054
WILMINGTON, DE 19884
(800) 421-2110
Account Number:

Address Identification Number:

Status:
Open/Never late.
Date Opened:
02/2004 Date of Status:
10/2008 Reported Since:
03/2004 Last Reported Date:
10/2008
Type:
Revolving Terms:
N/A Monthly Payment:

Responsibility:
Individual
Credit Limit:
$67,500

 

I was just confused about the credit line on the BoA World MasterCard. 

 

On 9-12-2008 (http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=107194#M107194) you posted that this card had a $70,000 credit limit:

 

Transfer to Bank of America World MasterCard - XXXX 1.99%Fixed Until April 2009 Low APR1 Offer ID: CL3MWM366 Start Saving Today Consolidate high-interest balances at a promotional rate of 1.99%. This offer applies to qualifying balances through your statement closing date in April 2009. Additional restrictions may apply. Review the terms and conditions for complete details. Available Credit: $70,0000

 

 

Note:  You really should inform Bank of America that there are only 4 zeros in $70,000.

 

 

Message Edited by psychic on 10-31-2008 12:04 PM

plasticguy-

 

Another thing that perplexes me is that on 10-03-2008 you wrote (http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=119515#M119515)  :

 

  • Enjoy 1.99% promotional APR1 on balance transfers through your statement closing date in April 2009
  • Get more spending power—your credit line has been increased to $67,500
  • Lower your overall monthly payments by consolidating into one

 

 

 

How can a credit line that was $70,000 be increased to $67,500?  That's clearly, a credit line decrease!

 

 

 

EQ 814 / TU 815 / EX 842
Established Contributor
Posts: 565
Registered: ‎02-21-2008
0

Re: Whee, CLI from BOA!

Get A dictionary : look up the word " Changed" For the last time, I moved credit around between Merrill and BOFA. BOFA did not decrease my CL, I did. They were still showing $70K on the BT Offer. You're making such a big deal out of $2500. Give it a rest.
Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

Re: Whee, CLI from BOA!


plasticguy wrote:
Get A dictionary : look up the word " Changed" For the last time, I moved credit around between Merrill and BOFA. BOFA did not decrease my CL, I did. They were still showing $70K on the BT Offer. You're making such a big deal out of $2500. Give it a rest.

 

Actually, you used the word "changes," not "changed." 

 

In your earlier post you only stated:

 

I made changes. I move my Credit line from the Visa Signature. It is no longer open. I moved to Merrill Lynch 

 

 

You made no mention of moving credit from your World card to Merrill Lynch.

 

Thanks for clarifying that for us!!!

 

 

EQ 814 / TU 815 / EX 842
Established Contributor
Posts: 565
Registered: ‎02-21-2008
0

Re: Whee, CLI from BOA!

[ Edited ]
I'm really a nice person, why are you picking on me:smileysad: Below is the updated list of my credit risk level is less than 1%
Message Edited by plasticguy on 11-02-2008 08:29 AM
Established Contributor
Posts: 565
Registered: ‎02-21-2008
0

Re: Whee, CLI from BOA!

BOFA World Mc $67,500
Chase Freedom World $50,500
Chase Pro Biz $25,000
Citizens Bank RBS $25,000
Amex Blue $23,000
PNC Bank $22,500
Merrill Lynch $30,400,
GM HSBC Flexible Rewards $16,000
Discover $15,000
Citi Professional $15,000
Citi DIamond $10,000
HSBC Direct $12,500
Capital One $14,000
HSBC Platinum Cash $10,000

 

:smileyhappy:no one is perfect, we all make mistakes

Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

Re: Whee, CLI from BOA!


plasticguy wrote:
I'm really a nice person, why are you picking on me:smileysad:

I apologize if I appear that I'm picking on you!

 

I'm always very interested in posts from FICO High Achievers and/or members who have high credit lines.  I generally examine these posts very closely. 

 

I'd love to see you post in "Understanding FICO Scoring."  Given your high scores, I'm certain other members would love to ask you about how you attained such high FICO scores.  The next time you pull your credit reports, make certain to post a screenshot of your FICO scores on one of that board's FICO High Achievers threads. 

 

I'm truly sorry if I offended you. 

EQ 814 / TU 815 / EX 842
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