topic Re: Meh in Credit Cards

Meh

Anonymous — Sun, 24 Apr 2011 14:21:26 GMT

Since I struck out on a Citi CLI, I figured I'd give BOA a shot. Left the requested increase blank, entered info and submitted. Got the message to call but I won't though. It's a soft IIRC. I hope they don't shift lines from my Sovereign World MC though.

Re: Meh

android01 — Sun, 24 Apr 2011 15:06:11 GMT

Let us know if it is in fact a soft. I've read that BOA is pulling hard for CLI now.

Re: Meh

Anonymous — Sun, 24 Apr 2011 15:07:37 GMT

@android01 wrote:
Let us know if it is in fact a soft. I've read that BOA is pulling hard for CLI now.

Really?! I can't catch a break Not that I need any more credit, I'm stuck in garden mode and it's pretty boring.

Re: Meh

android01 — Sun, 24 Apr 2011 15:11:35 GMT

@Anonymous wrote:

@android01 wrote:
Let us know if it is in fact a soft. I've read that BOA is pulling hard for CLI now.
Really?! I can't catch a break Not that I need any more credit, I'm stuck in garden mode and it's pretty boring.

Gardening is boring, I agree. Thanks for being the local guinea pig though. Let us know how it turns out.

Re: Meh

Anonymous — Sun, 24 Apr 2011 15:14:34 GMT

I will.

Re: Meh

Open123 — Sun, 24 Apr 2011 16:08:35 GMT

Yeah, gardening is great, but boring to the point where it seems as if time is stuck.

If I had two weeks to live, I'd love gardening. Why? Because the days would seem like years!

Re: Meh

android01 — Sun, 24 Apr 2011 16:27:42 GMT

What I need to do is leave the garden alone so it can grow itself. I kill house plants by "taking care of them" too much.

Re: Meh

Anonymous — Sun, 24 Apr 2011 16:32:32 GMT

@android01 wrote:
What I need to do is leave the garden alone so it can grow itself. I kill house plants by "taking care of them" too much.

I understand. I'm on the verge of becoming obsessed (though my better half would say otherwise). I need to let things be but I need my 'fix' ya know?

Re: Meh

Anonymous — Mon, 25 Apr 2011 01:30:23 GMT

I know gardening is so boring... I only get threw it by reading about others getting approved.. kinda like old people living threw young people when you tell them stories

Re: Meh

Anonymous — Mon, 25 Apr 2011 11:52:20 GMT

Last fall I requested a CLI with BOA and got the "call us" notice immediately. As with the OP I did not call, though BOA called me the next day. I asked to (almost) double my CL and they asked me "Why?" I didn't expect that question and didn't have a convincing answer. But they did grant it and it was a soft pull.

Re: Meh

haulingthescoreup — Mon, 25 Apr 2011 23:23:35 GMT

Mr. Shush, if nothing else, I would like to thank you for your thread title.

Best wishes for this current boring stage of your credit life. It does get better.

Re: Meh

Anonymous — Tue, 26 Apr 2011 13:02:07 GMT

@haulingthescoreup wrote:
Mr. Shush, if nothing else, I would like to thank you for your thread title.

Best wishes for this current boring stage of your credit life. It does get better.

LOL No worries

I really shouldn't be dissapointed or more OCD about this. 2 of 3 scores are over 760. What I should be focusing on is paying this crap off.

Bank of America called yesterday, but I didn't answer and still no movement on my line.

Citi, I should just close. It does nothing for me and I stopped using the card. I got back in with AMEX and have a Green and a Blue so really, no need for a cobranded card.

Re: Meh

Anonymous — Tue, 26 Apr 2011 13:11:21 GMT

@Anonymous wrote:

@haulingthescoreup wrote:
Mr. Shush, if nothing else, I would like to thank you for your thread title.

Best wishes for this current boring stage of your credit life. It does get better.

LOL No worries

I really shouldn't be dissapointed or more OCD about this. 2 of 3 scores are over 760. What I should be focusing on is paying this crap off.

Bank of America called yesterday, but I didn't answer and still no movement on my line.

Citi, I should just close. It does nothing for me and I stopped using the card. I got back in with AMEX and have a Green and a Blue so really, no need for a cobranded card.

About 2 months ago, I requested a CLI through BoA on my WorldPoints card. I was at 1000 CL, requested $1000 more online, got the message to call. I debated for about an hour, called and the guy asked me why as well...then gave me a CL of $2500. The rep said the decision was based on a combination of a soft pull and the 3 year account history (first CLI after the 99/500 graduation)

Then 2 days later later I app'd for the BoA Accelerated Rewards, got the message to call...the rep reasked income questions and approved for $5000. (Pulled EXP)

Then the next week I app'd for a Merrill Lynch Cash Back card, which I had to call the number to Merrill Lynch. After answering questions to the Merrill Lynch rep, they transfered me to BoA (I was immediately terrified when I heard that hold music). I told them I was looking to consolidate some CC debt, and they immediate approved me for $10K...my largest CL.(Used recent pull from EXP as stated by the rep)

BoA is an odd animal. But they've been kind to me recently <crosses fingers>.

Re: Meh

haulingthescoreup — Tue, 26 Apr 2011 15:21:36 GMT

BofA seems to be chatty these days!

Congrats, nice work.

Re: Meh

Anonymous — Tue, 26 Apr 2011 17:21:59 GMT

WOO to the HOO!!! BoA called again today. I answered a few questions and said I wanted to BT and blammo! $9500 cli to 10k with no hard! My 13k Sovereign card still in tact.

Re: Meh

Anonymous — Fri, 29 Apr 2011 13:18:16 GMT

Bank of America has already reported the new 10K to TU mid cycle. My statement ends on the 8th and it usually reports within 1 day of that.

Re: Meh

Anonymous — Mon, 02 May 2011 02:22:40 GMT

How long have you had this card for?

Re: Meh

Anonymous — Mon, 02 May 2011 02:53:09 GMT

@Anonymous wrote:
How long have you had this card for?

Summer 2008.

Re: Meh

Anonymous — Mon, 02 May 2011 19:51:34 GMT

Are you sure BofA reports/updates one day after statement closing? I have a BofA Signature card, statement closing is 5/3/11 so hoping it updates by 5/4. I opened it October 2010 with CL of 8K. I used the no interest intro promo and paid off balance a couple weeks ago (had about $7800 on it). Looking to apply for new card (Discover or BofA Visa Business) but want to ensure my buerau's update before a report is pulled. BofA card is about 1/2 of my total credit limit.

Re: Meh

Anonymous — Mon, 02 May 2011 20:01:23 GMT

I cannot guarantee yours will report as quickly, but in my experience, BOA reports within a day or two of the statement close. My Sovereign card also reports fairly expeditiously. I look at true credit for the reporting dates, so that may help you as well in determining when yours are reported.