topic Re: BoA: Denied 2x - Balance Transfer - Limit Increase in Credit Card Approvals

BoA: Denied 2x - Balance Transfer - Limit Increase

Anonymous — Sat, 08 Sep 2018 03:23:20 GMT

This was an interesting one considering it was BoA. Have a BoA Rewards CC with $6k CL (Medium utilization & have had it for 4 years) I applied for a BoA Travel Rewards Card in April and was denied.

Tried again in July after prequalifying and was denied again (Reason being a 90-day rule they seem to have for applying for the same card) even though the pre-qualified card that came up was the BoA Travel Card (I even sent a Recon Letter) ... That’s really beside the point...

Like anyone, got irritated; so decided to do a balance transfer to my Alliant CC (Much lower APR & had a $0 balance)

Transfer goes through. BoA goes to $0. Logged in to make sure it was $0 as I didn't want a missed payment... Low and behold!!!

My BoA $6k CL was increased to $10k CL

Not complaining; but seriously??? Denied 2x and a $4k limit increase...

Should have transferred in April and missed out on 2 hits to my credit score...

Re: BoA: Denied 2x - Balance Transfer - Limit Increase

Anonymous — Sat, 08 Sep 2018 04:38:40 GMT

Congrats on the CLI. All worked out for you

Re: BoA: Denied 2x - Balance Transfer - Limit Increase

Medic981 — Sat, 08 Sep 2018 05:03:11 GMT

Re: BoA: Denied 2x - Balance Transfer - Limit Increase

Anonymous — Sat, 08 Sep 2018 13:55:36 GMT

Congrats! In the end you landed a 4k CLI. At least you didn't get 2 he's and come up empty.

Re: BoA: Denied 2x - Balance Transfer - Limit Increase

Cred4All — Sat, 08 Sep 2018 14:40:06 GMT

I'm sure in hindsight the 2x HP's isn't forgiven butttttt Congrats on the great CLI!!

hey are Re: BoA: Denied 2x - Balance Transfer - Limit Increase

Anonymous — Sat, 08 Sep 2018 15:44:05 GMT

@Cred4All wrote:
I'm sure in hindsight the 2x HP's isn't forgiven butttttt Congrats on the great CLI!!

Ohhhh They are not, still feel a slight burn... LOL

Re: BoA: Denied 2x - Balance Transfer - Limit Increase

Anonymous — Sat, 08 Sep 2018 17:20:35 GMT

Congrats on your auto luv CLI !!!!