topic Re: BOA CLI Success in Credit Card Approvals

BOA CLI Success

Anonymous — Thu, 02 May 2013 01:06:43 GMT

Hello all,

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695

I want to thank the forums because without the advise I wouldnt be here.

Re: BOA CLI Success

myjourney — Thu, 02 May 2013 01:11:48 GMT

Thats great news congrats

Re: BOA CLI Success

CREDITSURFER — Thu, 02 May 2013 01:12:39 GMT

CONGRATS! gotta love BoA

Re: BOA CLI Success

LS2982 — Thu, 02 May 2013 01:47:02 GMT

@Anonymous wrote:
Hello all,

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695

I want to thank the forums because without the advise I wouldnt be here.

CONGRATS!!!

Awesome CLI!!

Re: BOA CLI Success

vish1 — Thu, 02 May 2013 02:02:09 GMT

@Anonymous wrote:
Hello all,

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695

I want to thank the forums because without the advise I wouldnt be here.

Congrats.

IME, BofA is very good with CLIs. I got a secured in Mar 2010 with CL of $500. Called up 5 years before 1 year (that's the earliest they can unsecure it). They happily unsecured the card and gave me a CL of $7,500. The only dispute was the AF. They said they can't waive off the AF on this card and I insisted they escalate otherwise I may have NO option but to cancel the card. Called the backdoor number again the next day and again insisted for escalation of AF removal (permanently).

Got a call next day or may be 2 days letter confirming AF waived forever.

I mentioned this AF thing coz OP may be still paying AF. It's NOT easy to get rid of AF, but it's entirely possible.

Re: BOA CLI Success

indiolatino61 — Thu, 02 May 2013 02:05:03 GMT

@Anonymous wrote:
Hello all,

Im super excited, in 2008 I opened a BOA Secured CC with a $300 limit, I was told after a few years that it would become unsecured. After years of waiting, I called and requested a change to unsecured--declined. Last year (after reading a few threads) I requested another one (initially declined) it was changed from unsecured to a $500 credit line after recon. Since this account has become my lowest CL, I called and spoke to a very nice rep though the backdoor number. She took my info and confirmed it was a HP through TU, and asked how much I wanted, I requested 5k. She came back after 1-2 mins on hold and was approved for the full 5k. Im so stoked, this is now my highest TL that I have (lowest 1250 from cap 1) besides my husbands accounts that I am an AU on. GL to all. My USAA scores today were Ex-665 TU and EQ 695

I want to thank the forums because without the advise I wouldnt be here.

If it wasn't for myFICO, Iwould never know "backdoor" numbers even existed. Congrats on your CLI!