topic Re: Mildly annoyed at BoA CLI in Credit Cards

Mildly annoyed at BoA CLI

parakleet — Sat, 27 Apr 2013 19:10:46 GMT

Ugh. I went for the online cli button on my BoA card and I did get a decent cli (3k --> 6k) but it turned out it was a HP! They pulled TU. I signed up for Credit Karma and there's TWO from BoA - one from Dec '12 and this month. I have no idea why they did a HP in Dec '12. The card was opened in Dec '10 so I don't know if that was some yearly HP thing or not. I don't think I asked for a cli back in dec. either. And it also turned out that even though I thought I had the BoA 123, apparently, what I had was just a regular 1% cash back card. I thought it was weird that I kept hearing about 123 rewards but I was just getting 1% on everything. So annoying. I called them to PC to the 123 and they're supposedly processing that right now.

Re: Mildly annoyed at BoA CLI

Revelate — Sat, 27 Apr 2013 19:27:49 GMT

@parakleet wrote:
Ugh. I went for the online cli button on my BoA card and I did get a decent cli (3k --> 6k) but it turned out it was a HP! They pulled TU. I signed up for Credit Karma and there's TWO from BoA - one from Dec '12 and this month. I have no idea why they did a HP in Dec '12. The card was opened in Dec '10 so I don't know if that was some yearly HP thing or not. I don't think I asked for a cli back in dec. either. And it also turned out that even though I thought I had the BoA 123, apparently, what I had was just a regular 1% cash back card. I thought it was weird that I kept hearing about 123 rewards but I was just getting 1% on everything. So annoying. I called them to PC to the 123 and they're supposedly processing that right now.

There's no annual HP.

Are you certain it wasn't a SP or otherwise initiated by you? BOFA CLI's are almost always HP's just like Chase. It's just expected, though I'd spend a HP personally to go from 3->6K absolutely, but it does depend on your credit profile.

Re: Mildly annoyed at BoA CLI

LS2982 — Sat, 27 Apr 2013 20:04:28 GMT

AFAIK BofA CLIs are HPs. Id be disputing the Dec HP tho if you didnt authorize it.

Re: Mildly annoyed at BoA CLI

parakleet — Sat, 27 Apr 2013 20:29:12 GMT

@LS2982 hmmm. Good to know. I guess that's my bad for not researching BoA's cli practices before willy nilly clicking on the upgrade button! I may call BoA and ask about the HP from Dec. It's possible that I may have clicked on the cli button in Dec but i honestly can't remember. I haven't checked my TU since '09; I never paid that much attention to Inq's and the like before myfico. 😄

Re: Mildly annoyed at BoA CLI

culture — Sat, 27 Apr 2013 21:06:33 GMT

i think trading a HP for 3k cli is worthy ..

but thats just me....

Re: Mildly annoyed at BoA CLI

parakleet — Sun, 28 Apr 2013 04:15:24 GMT

@culture I agree. In retrospect, it was worth it for doubling the CL. I guess I was expecting it to be a sp.