topic Re: Need serious help in Credit Cards

Need serious help

Bharath — Thu, 15 Oct 2009 06:14:31 GMT

Hello All..

I have a BOA STUDENT PLATINUM PLUS VISA CC with a CL of $1000.. It is 8 months old and I have been paying it off real good.. I asked for a CLI on sept 30th which I was declined.. Again I asked a CLI on Oct.12th and got declined.. I just the BACKDOOR phone numbers on this website which are helping people a lot.. I wish I can use them too.. My question is which number of BOA should I call, to get a CLI.. Is that a Credit analyst?? Can I apply for CLI since my last CLI request was too close.. Please help me with this question... I am confused to call to which number since I saw many numbers there..

Thanks to u all in advance..

Re: Need serious help

Anonymous — Thu, 15 Oct 2009 06:41:54 GMT

@Bharath wrote:
Hello All..

I have a BOA STUDENT PLATINUM PLUS VISA CC with a CL of $1000.. It is 8 months old and I have been paying it off real good.. I asked for a CLI on sept 30th which I was declined.. Again I asked a CLI on Oct.12th and got declined.. I just the BACKDOOR phone numbers on this website which are helping people a lot.. I wish I can use them too.. My question is which number of BOA should I call, to get a CLI.. Is that a Credit analyst?? Can I apply for CLI since my last CLI request was too close.. Please help me with this question... I am confused to call to which number since I saw many numbers there..

Thanks to u all in advance..

If you have asked twice within two weeks you are going to have to wait three to six months to ask again. They keep records of your CLI requests. Overdoing the requests is going to get you a hard INQ and possible AA. Time to let it rest now.

Re: Need serious help

DI — Thu, 15 Oct 2009 13:08:12 GMT

@Anonymous wrote:
@Bharath wrote:
Hello All..

I have a BOA STUDENT PLATINUM PLUS VISA CC with a CL of $1000.. It is 8 months old and I have been paying it off real good.. I asked for a CLI on sept 30th which I was declined.. Again I asked a CLI on Oct.12th and got declined.. I just the BACKDOOR phone numbers on this website which are helping people a lot.. I wish I can use them too.. My question is which number of BOA should I call, to get a CLI.. Is that a Credit analyst?? Can I apply for CLI since my last CLI request was too close.. Please help me with this question... I am confused to call to which number since I saw many numbers there..

Thanks to u all in advance..
If you have asked twice within two weeks you are going to have to wait three to six months to ask again. They keep records of your CLI requests. Overdoing the requests is going to get you a hard INQ and possible AA. Time to let it rest now.

+1 Let the needle in the haystack stay lost. Show high utlization for 6 month and PIF. After that, you may receive an auto CLI.

Re: Need serious help

Tons_of_Debt — Thu, 15 Oct 2009 13:16:24 GMT

I would definitely avoid contacting B of A for anything if you've already been declined. I contacted them and got my credit slashed by 60% :-(

You mentioned you were paying it off? You mean every month, or are you carrying a balance?

Re: Need serious help

Bharath — Thu, 15 Oct 2009 15:17:12 GMT

Paying it off means I am using 400 dollars and paying 200-300 every month again...

Re: Need serious help

Tons_of_Debt — Thu, 15 Oct 2009 15:24:10 GMT

So you are consistently increasing the balance by 100-200 dollars?

Re: Need serious help

GregB — Fri, 16 Oct 2009 00:24:33 GMT

Paying in Full means paying the statement balance in full before the due date. If you are paying any interest then you aren't Paying in Full. I suppose "Paying it Off" could be that you just have a lower balance each month until you are Paying in Full.