topic Re: testing the waters with BOA in Credit Cards

testing the waters with BOA

swpopham — Fri, 02 Aug 2013 02:54:47 GMT

so i have had this BOA Total Merrill Cash Back Card for 2 full statements with a 10k limit, I ran 5400 in the first statement and then 3200 this statement, PIF both times right after the statement cut. I decided to hit the Love button and ask for 20k. When I signed up for the card they said it would be soft pull increases because of it being a merrill card. so we shall see. It asked for amount requested. then employement, household status, then income and said it would be reviewed. I dont have a feeling if its going to go either way or not. The only thing that changed on my profile is i ran 35k on the amex last month. So they can see a high balance

Re: testing the waters with BOA

09Lexie — Fri, 02 Aug 2013 02:59:46 GMT

Fingers crossed!

Re: testing the waters with BOA

KIPPIE12 — Fri, 02 Aug 2013 03:05:39 GMT

Sounds like a HP to me, but hopefully not. GL!

Re: testing the waters with BOA

djc1puno — Fri, 02 Aug 2013 04:24:55 GMT

Gl!

Re: testing the waters with BOA

HiLine — Fri, 02 Aug 2013 15:36:22 GMT

Good luck!

Re: testing the waters with BOA

swpopham — Mon, 30 Sep 2013 03:36:58 GMT

wanted to update:

the first lady I spoke to was wrong about a soft pull because that reqest was denied due to reports frozen. but the increase i just did was a HP on equifax and was painless and easy after about 3 minutes it was done. I think ive had 4 or 5 full statements

Re: testing the waters with BOA

FinStar — Mon, 30 Sep 2013 03:40:49 GMT

@swpopham wrote:
wanted to update:

the first lady I spoke to was wrong about a soft pull because that reqest was denied due to reports frozen. but the increase i just did was a HP on equifax and was painless and easy after about 3 minutes it was done. I think ive had 4 or 5 full statements

Were they able to approve the full $20K? If so, hopefully the HP was well-worth it. BOA can be quirky with their SP/HP CLI reviews.

Re: testing the waters with BOA

swpopham — Mon, 30 Sep 2013 04:03:43 GMT

On this call I asked for 40k and she took it to 30k she said if I closed the chase cards and they report closed 0 balance she would up it again (remember new thread) so far couldn't be happier with the ml card

Re: testing the waters with BOA

youngandcreditwrthy — Mon, 30 Sep 2013 12:41:03 GMT

Congrats! I told Boa my "rewards" cards were frustrating and that too is how I got a substantial cli on my recently acquired $10k Bankermicard!

Re: testing the waters with BOA

FinStar — Mon, 30 Sep 2013 15:29:00 GMT

@swpopham wrote:
On this call I asked for 40k and she took it to 30k she said if I closed the chase cards and they report closed 0 balance she would up it again (remember new thread) so far couldn't be happier with the ml card

Nicely done! I would say that if the other outstanding issue does not get resolved, then at least you have the opportunity to grow the M+ to $40K. There's a couple folks who've recently obtained the M+ with very satisfactory feedback. There's a few of us who are considering obtaining this one in the next 6-12 months. I currently have their Privileges Cash Rewards and it will be a nice addition to the BOA Platinum Privileges profile.

Re: testing the waters with BOA

swpopham — Mon, 30 Sep 2013 18:29:20 GMT

I really like the all american customer service. I like that any cl issues go right up the chain to a Sr. Credit analyst right away for ml customers. To me its a nice no frills good credit card