topic Bank of America Rocks!!!! in Credit Card Approvals

Bank of America Rocks!!!!

linux007969 — Sat, 19 Oct 2013 02:22:17 GMT

I was feeling kind of sad and also just in a whatever kinda mood.... So i called up Bank of America and talked with a Senior Credit Analyst.

I asked to have both of my cards increased and the increase split across both my cards. I asked for $3,000 to be split across both my cards, that would bring them up to $3,000 each, I also asked if it was possible with 1 pull only and so the rep checked and the line went silent and i asked if she was there and she said she was just checking on it and then she placed me on hold and then came back and said it would actually be 2 seperate pulls..... so i said Yikes..... then i was like well ok lets just continue with it.

She asked me all the standard income info and i even offered to tell her how much i currently had in my checking account even though its not with them because i said how when i was approved for my better balance rewards card that the analyst asked for that, so she gladly accepted it. She then placed me on hold for review.........

She came back with news and.........APPROVED ON BOTH CARDS!!!! I now have $3k on each card. She said i have done an excellent job managing my credit with them and my other creditors! I was so happy!

I then said "now i can use my cash rewards card more cuz i'm so ever close to $25 in cash rewards", and she agreeded. I even said how i got $25 twice already on my Better Balance Rewards and she was surprised and happy for me! I did ask her what happens if i have a zero balance around the time the quarterly rewards would hit? She was kinda confused about the question and so i did my best to rephrase it so she could understand and she did some checking and she said that no credit balance would post.... so it looks like i either have to know when the rewards will hit or just keep spendng and it will work out fine. She said if i keep spending the same then it will be fine.

The number i called was: 1-800-247-7975

So I know I had wanted to keep Hard pulls to a minimum as possible, I just had a moment of weekness i guess and it all worked out. I don't know how much more i could have gotten, I didn't not want to ask for any more as I only make $12,900 a year now and now my total credit available to me is $20,000!!!!!

Re: Bank of America Rocks!!!!

Anonymous — Sat, 19 Oct 2013 02:21:33 GMT

Congratulations on your CLI's!

Re: Bank of America Rocks!!!!

2FixMyCredit — Sat, 19 Oct 2013 02:22:06 GMT

Congrats!

Re: Bank of America Rocks!!!!

Anonymous — Sat, 19 Oct 2013 02:22:36 GMT

Congrats. I love BOA so far,they follow so close lol

Re: Bank of America Rocks!!!!

youngandcreditwrthy — Sat, 19 Oct 2013 02:37:05 GMT

I'm pretty happy with them to so far. I opened my account almost two months ago and stil havent had a statement cut. I'm having bill-pay withdrawal lol

Re: Bank of America Rocks!!!!

youngandcreditwrthy — Sat, 19 Oct 2013 02:37:52 GMT

Congrats! And hope you are feeling better now op :-)

Re: Bank of America Rocks!!!!

Anonymous — Sat, 19 Oct 2013 02:48:31 GMT

My family and I have checking and saving+Business with BOA . Whenever we request something thats 100% is approved

Re: Bank of America Rocks!!!!

B335is — Sat, 19 Oct 2013 03:19:40 GMT

Congrats x2. Ive only had good results thru BofA analysts.

Re: Bank of America Rocks!!!!

eddie84 — Sat, 19 Oct 2013 03:24:29 GMT

Congrats and yeah, BofA has been good to me too.

Re: Bank of America Rocks!!!!

knoregs — Sat, 19 Oct 2013 03:31:21 GMT

Congrats!

~kn

Re: Bank of America Rocks!!!!

yudeology101 — Sat, 19 Oct 2013 03:35:56 GMT

Congrats!! perhaps i should call the senior analyst on my gloomy days, too. They gotta be good listeners, right?

Re: Bank of America Rocks!!!!

youngandcreditwrthy — Sat, 19 Oct 2013 03:37:56 GMT

The last Analyst I spoke with sent me a Thank You card. Liiiiiiike, I should be thanking you!!!! Lol

Re: Bank of America Rocks!!!!

linux007969 — Sat, 19 Oct 2013 19:57:14 GMT

@youngandcreditwrthy wrote:
The last Analyst I spoke with sent me a Thank You card. Liiiiiiike, I should be thanking you!!!! Lol

Wow, that's what's up! You should post a pic of it...lol. It's just as nice as them calling me and thanking me for my business which i found odd at first cuz i wasn't a big spender but i found it nice once i realized it and they called again. I did how ever say to them at the the time that it was a bit excessive that they called me twice in 2 weeks to thank me, so i think they removed me from the thank you department list or whatever.... lol.

Re: Bank of America Rocks!!!!

youngandcreditwrthy — Sun, 20 Oct 2013 00:18:21 GMT

I'd post a pic if I could figure out how to get pics on here lol, plus we aren't allowed to post names are we? It has her name/siggy on it.

Re: Bank of America Rocks!!!!

resilient — Sun, 20 Oct 2013 16:13:10 GMT

@youngandcreditwrthy wrote:
I'd post a pic if I could figure out how to get pics on here lol, plus we aren't allowed to post names are we? It has her name/siggy on it.

I got one of those thank you cards too, but I should be sending them one!

Re: Bank of America Rocks!!!!

linux007969 — Sun, 27 Oct 2013 21:07:29 GMT

***Update*** I checked my Discover Identity Theft Protection and it only shows an alert for a hard pull on Transunion so looks like i got away with only 1 Hard Pull and not 2 Hard pulls!

Re: Bank of America Rocks!!!!

myjourney — Mon, 28 Oct 2013 00:18:33 GMT

@linux007969 wrote:
***Update*** I checked my Discover Identity Theft Protection and it only shows an alert for a hard pull on Transunion so looks like i got away with only 1 Hard Pull and not 2 Hard pulls!

That's also good news

Congrats X3

2 CLI's

1 HP

Re: Bank of America Rocks!!!!

Anonymous — Mon, 28 Oct 2013 14:27:35 GMT

@linux007969 wrote:
***Update*** I checked my Discover Identity Theft Protection and it only shows an alert for a hard pull on Transunion so looks like i got away with only 1 Hard Pull and not 2 Hard pulls!

The last senior analyst I spoke with informed me that they only need to do one HP for any credit decisions within 30 days, so I was surprised at first when you said they were going to do two HP.
Good job on CLI's!

Re: Bank of America Rocks!!!!

coldnmn — Mon, 28 Oct 2013 14:39:30 GMT

Good for you on your CLI x 2 Congrats!