topic Re: BoA PC and CLI in Credit Card Approvals

BoA PC and CLI

jakemod1 — Fri, 01 Feb 2013 23:14:54 GMT

Success!!! Just called the credit analyst backdoor number to request a PC and CLI. Currently have the Gold Visa WorldPoints and PC'ed to the Bank Americard Cash Rewards, no questions asked. Plus, got an increase of $1,500 from $1,000 to $2,500! I requested for $6,000 to match my Discover, but since it hasn't reported yet, they couldn't give me that amount. I believe I could've gotten more if I waited a few more months, but I couldn't resist the itch! I asked if it was a SP or HP...unfortunately he said it was a HP But at least I didn't leave empty-handed.

Thank you for this great forum! I would've not known this was possible if it weren't for the extensive research I did on here. Now I'm just waiting for Cap1's response...

Re: BoA PC and CLI

rtw — Fri, 01 Feb 2013 23:17:38 GMT

Congrats!

Re: BoA PC and CLI

jakemod1 — Fri, 01 Feb 2013 23:41:23 GMT

^^^Thank you!

I forgot to ask the CA...since I PC'ed, will the age of my account transfer to this one? I opened it back in 6/2007 and I don't want to lose that history. Also, what is your recommended time to request for the next CLI?

Re: BoA PC and CLI

Epcot — Sat, 02 Feb 2013 00:31:55 GMT

Nice going, Congrats!

Re: BoA PC and CLI

jakemod1 — Sun, 03 Feb 2013 07:22:40 GMT

@Epcot wrote:
Nice going, Congrats!

Thank you! BTW, you've been app free since my birthday!

Re: BoA PC and CLI

Anonymous — Sun, 03 Feb 2013 16:59:06 GMT

Congrats

Re: BoA PC and CLI

flyingpenguin — Sun, 03 Feb 2013 22:57:27 GMT

@jakemod1 wrote:
^^^Thank you!

I forgot to ask the CA...since I PC'ed, will the age of my account transfer to this one? I opened it back in 6/2007 and I don't want to lose that history. Also, what is your recommended time to request for the next CLI?

Yes, the new account should be backdated to your original open date. Generally I think the advice is wait 6 months in between CLI requests.

Just a note, when I PC'd my BofA card (I actually PC'd twice to Cash Rewards and then Travel Rewards) they said it would take 2-4 weeks for the new card to arrive. The first time I called at the 2 week mark and I actually got the card in the 3rd week. The second time I didn't call until the third week and it took over 4 weeks for the new card to arrive (which annoyed me because I had wanted to put a large purchase on it, but anyway...) So I would call them at the 2 week mark to check on it. In both cases I ended up getting 2 sets of cards, but I feel like they didn't actually send them out until I called.

Re: BoA PC and CLI

Anonymous — Sun, 03 Feb 2013 23:12:43 GMT

Congrats to you

Re: BoA PC and CLI

jakemod1 — Mon, 04 Feb 2013 00:05:18 GMT

@flyingpenguin wrote:
@jakemod1 wrote:
^^^Thank you!

I forgot to ask the CA...since I PC'ed, will the age of my account transfer to this one? I opened it back in 6/2007 and I don't want to lose that history. Also, what is your recommended time to request for the next CLI?
Yes, the new account should be backdated to your original open date. Generally I think the advice is wait 6 months in between CLI requests.

Just a note, when I PC'd my BofA card (I actually PC'd twice to Cash Rewards and then Travel Rewards) they said it would take 2-4 weeks for the new card to arrive. The first time I called at the 2 week mark and I actually got the card in the 3rd week. The second time I didn't call until the third week and it took over 4 weeks for the new card to arrive (which annoyed me because I had wanted to put a large purchase on it, but anyway...) So I would call them at the 2 week mark to check on it. In both cases I ended up getting 2 sets of cards, but I feel like they didn't actually send them out until I called.

Thank you for the heads up! I will definitely give them a call when the two week mark comes. I actually had a fraud on my card so they had to change the account number already...I didn't think about asking for a PC until two days later. So, this is the second time within a couple days they had to change my account number. So most likely, I will get two cards with different account numbers. The CSR did say I can use the fraud replacement card until my Bank Americard Cash Rewards comes in the mail.

Another question that came up in my head...with all of these account closed reporting in my CR, will it affect my score in any way? CK gave me an alert so I want to make sure it won't dent my score. They did backdate it so I guess it should be ok, right?

Also, I noticed I put "CA" which I now realize means "Collection Agency". Just to clarify, I meant credit analyst and my account is in good standing.

Re: BoA PC and CLI

flyingpenguin — Tue, 05 Feb 2013 01:15:55 GMT

@jakemod1 wrote:
@flyingpenguin wrote:
@jakemod1 wrote:
^^^Thank you!

I forgot to ask the CA...since I PC'ed, will the age of my account transfer to this one? I opened it back in 6/2007 and I don't want to lose that history. Also, what is your recommended time to request for the next CLI?
Yes, the new account should be backdated to your original open date. Generally I think the advice is wait 6 months in between CLI requests.

Just a note, when I PC'd my BofA card (I actually PC'd twice to Cash Rewards and then Travel Rewards) they said it would take 2-4 weeks for the new card to arrive. The first time I called at the 2 week mark and I actually got the card in the 3rd week. The second time I didn't call until the third week and it took over 4 weeks for the new card to arrive (which annoyed me because I had wanted to put a large purchase on it, but anyway...) So I would call them at the 2 week mark to check on it. In both cases I ended up getting 2 sets of cards, but I feel like they didn't actually send them out until I called.
Thank you for the heads up! I will definitely give them a call when the two week mark comes. I actually had a fraud on my card so they had to change the account number already...I didn't think about asking for a PC until two days later. So, this is the second time within a couple days they had to change my account number. So most likely, I will get two cards with different account numbers. The CSR did say I can use the fraud replacement card until my Bank Americard Cash Rewards comes in the mail.

Another question that came up in my head...with all of these account closed reporting in my CR, will it affect my score in any way? CK gave me an alert so I want to make sure it won't dent my score. They did backdate it so I guess it should be ok, right?

Also, I noticed I put "CA" which I now realize means "Collection Agency". Just to clarify, I meant credit analyst and my account is in good standing.

I think the reporting of the closed account is a YMMV thing. The only report I've pulled since my PC is Equifax. A few years ago BofA had a security leak so they changed my account number. My report shows 2 BofA accounts: 1 open and 1 closed (Lost/Stolen). So it appears that the PC just caused the number of the open BofA account to change, instead of creating a separate account. I'm curious to see how it shows up on TU, because I also got the alert that one account closed and one account opened when I PC'd. If the PC causes another account to appear, it would affect your AAoA because FICO scoring counts both open and closed accounts. In my case, the closed BofA account helps because it's my oldest account. I've noticed though that the lost/stolen closed BofA account doesn't appear on TU or EX reports though.

Re: BoA PC and CLI

jakemod1 — Tue, 05 Feb 2013 19:01:39 GMT

In continuation to my success story:

1) Called the GE backdoor number yesterday (2/4) and inquired about a CLI. Had my account since 2007 for Chevron account. He asked for basic info like income, current job, etc. Was put on hold for five minutes and got my increase from $1,700 to $3,500!

2) E-mailed Cap1 EO last Thursday, got a call the next day and they took down basic info (income, current status of employment,etc.) I told them about my excellent payment history and wanted a travel rewards added to my account. I was informed that she will pass it on to underwriting to review my account and I should have an answer by next week. Immediately after hanging up, I checked my account online and saw that they've already put a rewards program on it, although it wasn't accessible yet. So today, I got a call from the same person and she told me about my credit limit increase! Went from $1,250 to $3,000!

I think that if my util was lower, I could've gotten more, but I really was anxious and from all the stories I've read here, I couldn't wait any longer! I want to thank everyone here who has contributed and helped me access valuable info that helped me accomplish these (I thought impossible) feat! Couldn't or wouldn't have done it without you guys! Thank you again!