topic Re: Bank of America Credit Card Graduation? in Credit Cards

Bank of America Credit Card Graduation?

CountryLivin — Sat, 04 Jun 2016 19:17:58 GMT

My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!

Re: Bank of America Credit Card Graduation?

newhis — Sat, 04 Jun 2016 20:03:44 GMT

If you touch the link it will be a HP. Some people now get CLI and graduation. Over a year ago, you were able to clic the link and they will ask how much and how you were going to fund the CLI (put more money 'secured'). Both are HP.

I got my card over 2 years ago and the 'early graduation' process was a HP. I read a few months ago that they changed policy and if you ask for graduation at 6 months, they can do it with SP.

Good luck.

Re: Bank of America Credit Card Graduation?

Anonymous — Sat, 04 Jun 2016 20:14:50 GMT

Hit the button and let us know ...

Re: Bank of America Credit Card Graduation?

wmweeza — Sat, 04 Jun 2016 20:31:14 GMT

If you apply now it would age at the same time as other inquries, but yes it would be a HP.

Having been in the garden since Oct of 2014 though I totally understand not wanting any HP's

Re: Bank of America Credit Card Graduation?

Anonymous — Sat, 04 Jun 2016 21:40:19 GMT

The CLI link showing up does not mean it graduated. I've had that link for almost a year now and mine hasn't graduated yet. If you ask for a CLI it will be a HP, but someone was able to get their card unsecured that way, plus a CLI.

Re: Bank of America Credit Card Graduation?

Anonymous — Sat, 04 Jun 2016 23:19:04 GMT

@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!

BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Re: Bank of America Credit Card Graduation?

CountryLivin — Sat, 04 Jun 2016 23:29:22 GMT

@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

Re: Bank of America Credit Card Graduation?

Anonymous — Sat, 04 Jun 2016 23:51:17 GMT

@CountryLivin wrote:
@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

Well then just go in for the soft pull. You want the number? How long have you had the card.

Re: Bank of America Credit Card Graduation?

bk510 — Sun, 05 Jun 2016 00:24:00 GMT

@CountryLivin wrote:
@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

My card graduated at 11th month without any CLI......Requested CLI online few months ago and got $500, ouch...... Still paying $39 AF, I'll be closing it if they don't waive it by the end of the year.

Re: Bank of America Credit Card Graduation?

Believe1970 — Sun, 05 Jun 2016 02:19:26 GMT

You can request a CLI. If they approve it, you will probably get bumped up to $1500 and it will be a HP. A few people including myself have had our cli and the acct unsecured recently and it resulted in HP.

Re: Bank of America Credit Card Graduation?

CountryLivin — Sun, 05 Jun 2016 04:59:38 GMT

@Anonymous wrote:

@CountryLivin wrote:
@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

Well then just go in for the soft pull. You want the number? How long have you had the card.

Kento, I have had my card 6 months. What number did you call? Do I just ask them if my card is elegible to graduate?

Re: Bank of America Credit Card Graduation?

RonM21 — Sun, 05 Jun 2016 17:27:44 GMT

Is 6 months a long enough period of time?

Re: Bank of America Credit Card Graduation?

Anonymous — Sun, 05 Jun 2016 18:54:33 GMT

@CountryLivin wrote:
@Anonymous wrote:

@CountryLivin wrote:
@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

Well then just go in for the soft pull. You want the number? How long have you had the card.
Kento, I have had my card 6 months. What number did you call? Do I just ask them if my card is elegible to graduate?

Unfortunately I think having the card for 6 months is not enough time to be considered for account graduation. But you can certainly call them. Here's the # I called 1-866-781-2215. Keep us posted

Re: Bank of America Credit Card Graduation?

jeffm4688 — Tue, 07 Jun 2016 14:02:20 GMT

I can provide a little more insight, when i clicked the button at 6 months old it gave me the normal CLI form which asked for my income, job title, etc. I filled it out and got a nice CLI a week later and reconn'd to my original request with ease - $500 to $5K. My card was also $99/500 secured.

My buddy who also has his account for 6 months and was fully secured $300/300 also showed the CLI button however upon clicking it, it asks for a further deposit to increase the limit.

From what I understand if you get a normal CLI form you probably have a decent chance at graduating.

Re: Bank of America Credit Card Graduation?

Namaste7 — Mon, 27 Jun 2016 22:12:47 GMT

@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!

OP, did you request the CLI? Did you graduate early?