topic Re: BoA Luv button in Credit Cards

BoA Luv button

Anonymous — Sat, 28 Mar 2009 15:30:36 GMT

Ok, so I've been like clockwork requesting a CLI from BoA for the past 3 months and nothing. I got the card in September with a $2.5 limit and since january have been requesting CLI and always get the 5-7 day message. But today I realize my Experian is frozen so could that be the reason why I'm always getting denied.

Re: BoA Luv button

smallfry — Sat, 28 Mar 2009 16:57:36 GMT

@Anonymous wrote:
Ok, so I've been like clockwork requesting a CLI from BoA for the past 3 months and nothing. I got the card in September with a $2.5 limit and since january have been requesting CLI and always get the 5-7 day message. But today I realize my Experian is frozen so could that be the reason why I'm always getting denied.

If you haven't gotten any letters in the mail that would be the reason. I would unfreeze it and call an analyst. They know you have been hitting the button. Careful.

Message Edited by smallfry on 03-28-2009 12:57 PM

Re: BoA Luv button

Anonymous — Sat, 28 Mar 2009 17:32:19 GMT

with BoA you can request CLI every 30 days, were you doing it sooner?

if they don't CLI, they don't, move on look into other possibility to meet your needs.

Re: BoA Luv button

Anonymous — Sat, 28 Mar 2009 18:20:40 GMT

They have given me CLI's every 6 months, not 3 months and I use the card heavily. I don't know if I'm going to ask for a CLI in June because I'm too worried about having my limit slashed.

Re: BoA Luv button

smallfry — Sat, 28 Mar 2009 19:00:23 GMT

OP should be getting either a CLI or a letter of denial.

Re: BoA Luv button

Anonymous — Sat, 28 Mar 2009 19:36:01 GMT

Even if your report is frozen, it should still be viewable by your current creditors. It is only unviewable to someone you do not have an established credit relationship with.

Re: BoA Luv button

Anonymous — Sat, 28 Mar 2009 21:01:15 GMT

A CR freeze does not apply to existing creditors/accounts, only to new.