topic I LUV BOA... in Credit Cards

I LUV BOA...

Anonymous — Fri, 20 Jul 2007 01:15:03 GMT

So I got the secured BoA card about 3 mo's ago...Two days ago I conjured up the Online BoA chat fairy...nice gal...I said I wanted to convert the Secured card to a real card...she shot me down real quick, said to come back in about 6 months I said ok, but I would really like a Airline Miles card...so the Chat Fairy says no problem, she would hook me up, I chose the MilesEdge card since it was compatiable with Continental...she gave me a link for a quick app and I gave it a shot

This morning I go into my BoA accounts and lo and behold there is the MilesEdge BoA card listed as MINE, with a $2K limit!! TWO DAYS after applying....

Now here's the kicker....I really want a CLI now, so at lunch time today I do the Online CLI request, I just pick a number.... $5000..yeah, that sounds like a nice respectable number for a nice respectable guy like me

And guess what? Thats right, I went into my BoA accounts a few minutes ago and it's now a $5000 credit line!!

I love BoA...but I truly love myFico.com, because this forum was a big help in getting me to this point. I had done a house refi last December with my scores about 580.....and realized I was being a dope and losing big money for not dealing with my credit reports, started working on them in March, then a short time later came across this board. And that's when things really started falling into place. The advice and expertise on this board is invaluable. Earlier this month I was 624, 620 & 649...

I'll be checking my scores again after the first of the month, untill then....THANKS myFICO

Live Long & Prosper,

ctRob

Message Edited by ctrob on 07-19-2007 06:15 PM

Re: I LUV BOA...

fused — Fri, 20 Jul 2007 01:14:23 GMT

WTG! Great to hear this kind of news!

Re: I LUV BOA...

Anonymous — Fri, 20 Jul 2007 01:17:30 GMT

It'll be on your CR in lightning speed too... Just like the other one.

Were you charged with an INQ.

Rob

Re: I LUV BOA...

Jacque383 — Fri, 20 Jul 2007 05:11:49 GMT

Hi,

Congratulations on the credit card and increase in credit lines...I have an off the subject question. I'm in the middle of a refi on a piece of property. When you did your refi did it raise your credit scores? If so, did they go down first and then come back up?

I'm trying to figure out exactly what this refi is going to do to my scores, if anything.

Thanks so much and again, congratulations.

Re: I LUV BOA...

lost2007 — Fri, 20 Jul 2007 05:42:09 GMT

Was the link she gave you you for the miles card the same credit app for the one on their site? Andwhy do you think they approved you for a new/different card anddidn't/couldn't unsecure your secured card?

Re: I LUV BOA...

Anonymous — Fri, 20 Jul 2007 09:54:52 GMT

Jacque383 wrote:
Hi,

Congratulations on the credit card and increase in credit lines...I have an off the subject question. I'm in the middle of a refi on a piece of property. When you did your refi did it raise your credit scores? If so, did they go down first and then come back up?

I'm trying to figure out exactly what this refi is going to do to my scores, if anything.

Thanks so much and again, congratulations.

At the refi the mortgage guy told me my middle Fico score was about 584, then told me that it dropped to about 580 during the process, could have been the inquiries for the mortgage...

At the time I wasn't working on my credit reports, and didn't start for a few months. When I did finally pull my fakos, they were:
FAkos - Feb 07 TU 571, EX 590 & EQ 579
Fakos - May 07 TU 585, EX 589 & EQ 595

Now my Ficos, after a little work:
TU 649, EX 620 & EQ 624

Dont know if that helps, like I said, at the time I wasn't really working on them and when I did start I didn't know the diff between Fakos & Fico.

ctRob

Re: I LUV BOA...

Anonymous — Fri, 20 Jul 2007 10:14:39 GMT

lost2007 wrote:
Was the link she gave you you for the miles card the same credit app for the one on their site? Andwhy do you think they approved you for a new/different card anddidn't/couldn't unsecure your secured card?

I think the approval for the MilesEdge card was probably just based on my current scores and reports. With a secured card they want about 9 months of history on their secured cards before they can convert to unsecured. She probably couldn't over-ride that rule.

The MilesEdge link she gave me was inside one of her messages, I couldn't tell you if it was the same as the one online. My guess is that the link she gave me was tagged somehow so she (the online chat fairy) gets credit for the sale. But I don't know for sure about that.

I can tell you that the online chat BoA people are very helpful. And whenever I ask for help I log into my accounts first. Don't know if that helps or not when asking for stuff. I have two checking accounts and a savings account with BoA.
Hope that helps...

ctRob

Message Edited by ctrob on 07-20-2007 03:14 AM

Re: I LUV BOA...

Anonymous — Fri, 20 Jul 2007 11:31:42 GMT

Anybody else have the Miles Edge Visa card?

update: just checked and they deducted a $19 annual fee, no problemo

Message Edited by ctrob on 07-20-2007 04:31 AM

Re: I LUV BOA...

Anonymous — Fri, 20 Jul 2007 11:47:48 GMT

lost2007 wrote:
Was the link she gave you you for the miles card the same credit app for the one on their site? Andwhy do you think they approved you for a new/different card anddidn't/couldn't unsecure your secured card?

Sorry, I misread you question the first time - the application she linked me to was very short, I was already logged onto my BoA account so most of my info was already avail to them. The app I had to fill out online was just Name, income, own or rent a house....that was about it

they already had my SS#, address, etc etc

hope that helps..

ctRob

Re: I LUV BOA...

Anonymous — Sat, 21 Jul 2007 18:29:22 GMT

i just got boa secured card a month ago. Should I try your tactic?

Re: I LUV BOA...

Anonymous — Sat, 21 Jul 2007 21:54:50 GMT

ashabbir1 wrote:
i just got boa secured card a month ago. Should I try your tactic?

You should wait a couple of months... The give it a swing!

Rob

Re: I LUV BOA...

Anonymous — Sat, 21 Jul 2007 22:39:32 GMT

I think BOA will give me a unsecured credit card after 9 months anyway. Anyone has any idea what would be the credit limit?

Thanks

Re: I LUV BOA...

Anonymous — Sat, 21 Jul 2007 22:41:10 GMT

ashabbir1 wrote:
I think BOA will give me a unsecured credit card after 9 months anyway. Anyone has any idea what would be the credit limit?
Thanks

Depends on Income and Score and Hx. YMMV.

Rob

Re: I LUV BOA...

Anonymous — Sun, 22 Jul 2007 00:41:55 GMT

Can anyone tell me , what is the best credit card BOA has?

Thanks

Re: I LUV BOA...

Anonymous — Mon, 23 Jul 2007 01:43:25 GMT

When you hit the Luv button do you know if you took a hard or soft hit - and on which CRA?

Re: I LUV BOA...

Anonymous — Thu, 26 Jul 2007 00:27:23 GMT

BoA automatically converted my 99/500 to an unsecured card with a 1k limit, even before the 9 month mark because of good payment history. They also refunded my $99. Then 2 months later, after I got a job, I called and requested a CLI and talked with the credit department and increased my CL to 2k! I usually always ask to double my credit limits, because I think they gauge your CLI request against your existing CL and if it's over 100% they do inquiries.