topic Re: Whee, CLI from BOA! in Credit Cards

Whee, CLI from BOA!

Anonymous — Tue, 21 Oct 2008 04:55:11 GMT

Well, the credit crunch doesn't seem to have completely cut off generous credit line increases.

On a whim, I used the CLI love button for my BOA Visa Signature card and asked for an increase from my $11K limit to $20K.

2 days later...yipee! Login to my account, and it now shows my new $20K limit.

BOA is now, by far, my most generous card issuer: $30K BOA Accolades Amex, $30K World MC, $20K Visa Signature.

Re: Whee, CLI from BOA!

plasticguy — Tue, 21 Oct 2008 13:58:17 GMT

Congrats! Too bad the Sig cards only report high balance. I closed my 30.5k and moved it over to the World Card so my 67.5k limit will show

Re: Whee, CLI from BOA!

Anonymous — Tue, 21 Oct 2008 15:20:03 GMT

@plasticguy wrote:
Congrats! Too bad the Sig cards only report high balance. I closed my 30.5k and moved it over to the World Card so my 67.5k limit will show

Dang...that's quite a limit you got there.

Re: Whee, CLI from BOA!

Anonymous — Tue, 21 Oct 2008 18:51:07 GMT

Wow, nice limit!! It is nice to see banks step up during this economic downturn and recognize that there are a lot of good customers who do deserve decent limits. Congrats!!

Re: Whee, CLI from BOA!

Anonymous — Tue, 21 Oct 2008 20:40:46 GMT

Do you ever carry a balance on your BofA or PIF?

@Anonymous wrote:
Well, the credit crunch doesn't seem to have completely cut off generous credit line increases.

On a whim, I used the CLI love button for my BOA Visa Signature card and asked for an increase from my $11K limit to $20K.

2 days later...yipee! Login to my account, and it now shows my new $20K limit.

BOA is now, by far, my most generous card issuer: $30K BOA Accolades Amex, $30K World MC, $20K Visa Signature.

Re: Whee, CLI from BOA!

Anonymous — Fri, 31 Oct 2008 17:37:17 GMT

@plasticguy wrote:
Congrats! Too bad the Sig cards only report high balance. I closed my 30.5k and moved it over to the World Card so my 67.5k limit will show

I'm a little confused. You say you have a 67.5K limit on your Bank of America World Card.

However, in an 8-15-2008 post (http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=108330#M108330@) you wrote:

BOFA World Reports 70K limit to all 3, The visa Sig, says Flex spending

Message Edited by psychic on 10-31-2008 10:37 AM

Re: Whee, CLI from BOA!

plasticguy — Fri, 31 Oct 2008 18:31:54 GMT

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

Re: Whee, CLI from BOA!

plasticguy — Fri, 31 Oct 2008 18:34:59 GMT

FIA CSNA
Address:
PO BOX 17054
WILMINGTON, DE 19884
(800) 421-2110 Account Number:
.
Address Identification Number:
Status:
Open/Never late.
Date Opened:
06/2007 Date of Status:
10/2008 Reported Since:
06/2007 Last Reported Date:
10/2008
Type:
Revolving Terms:
N/A Monthly Payment:
$6 Responsibility:
Individual
Credit Limit:
$30,400

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

Re: Whee, CLI from BOA!

jmbfl — Fri, 31 Oct 2008 18:35:49 GMT

@Anonymous wrote:
Well, the credit crunch doesn't seem to have completely cut off generous credit line increases.

On a whim, I used the CLI love button for my BOA Visa Signature card and asked for an increase from my $11K limit to $20K.

2 days later...yipee! Login to my account, and it now shows my new $20K limit.

BOA is now, by far, my most generous card issuer: $30K BOA Accolades Amex, $30K World MC, $20K Visa Signature.

It pays to diverisfy...

Re: Whee, CLI from BOA!

Anonymous — Fri, 31 Oct 2008 18:37:42 GMT

congrats on that heft CLI!

Re: Whee, CLI from BOA!

Anonymous — Fri, 31 Oct 2008 18:50:28 GMT

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.

Re: Whee, CLI from BOA!

Anonymous — Fri, 31 Oct 2008 19:04:42 GMT

@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

Re: Whee, CLI from BOA!

Anonymous — Fri, 31 Oct 2008 19:11:57 GMT

@Anonymous 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

Re: Whee, CLI from BOA!

Anonymous — Sun, 02 Nov 2008 09:59:57 GMT

@Anonymous 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!

Re: Whee, CLI from BOA!

plasticguy — Sun, 02 Nov 2008 12:16:53 GMT

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.

Re: Whee, CLI from BOA!

Anonymous — Sun, 02 Nov 2008 13:06:04 GMT

@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!!!

Re: Whee, CLI from BOA!

plasticguy — Sun, 02 Nov 2008 13:29:21 GMT

I'm really a nice person, why are you picking on me 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

Re: Whee, CLI from BOA!

plasticguy — Sun, 02 Nov 2008 13:23:59 GMT

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

no one is perfect, we all make mistakes

Re: Whee, CLI from BOA!

Anonymous — Sun, 02 Nov 2008 13:43:00 GMT

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

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.