cancel
Showing results for 
Search instead for 
Did you mean: 

BOA becomes Unsecure and CLI--> 3k to 10k in two days

tag
Bpearl2010
Regular Contributor

BOA becomes Unsecure and CLI--> 3k to 10k in two days

Finally after 2 years of having the BOA Secure Cash rewards card of SL $500, it finally became unsecured and got a CLI to 3k.

 

I asked to become Unsecured and for a 15k Credit line. They countered for 3k.

 

I had them pull TU, the rep came back and asked me about the 15k AU BOA cash rewards I'm on (Who's the primary, she asked) and about my 11.2k Carson's Account (she wanted to see more history on the account and see how I handled the account with that High Credit line).

 

I'm happy with the credit line (honestly, I am), but do you think i should recon tomorrow or today to the (BofA:  866-811-4108  (Credit analyst - existing cardholders)) number? To see if I can make them use the same TU pull for a Credit Line increase? Should I run 2.5k through it and pay it off the moment it posts? and then call for recon?

 

__________________________________________________________________________________________________

UPDATE: 7/30/2015

 

Great news! My payment posted for 2.4k this morning, so after my lunch time today I decided to call (BofA:  866-618-4585 (Sr Credit Analyst)) to hopefully see if they would increase my Credit line from 3k to 10k. And, they did!!!! Heart (two days after my card became unsecured and CLI to 3k).

 

New Credit Line: 10k... Same TU Pull. No new Hard Pull. So, now I just spent 7.4k on the card, waiting for it to post and then I'll pay it in full again; once that payment post's I'll be calling (BofA:  866-618-4585 (Sr Credit Analyst)) again to see if they will increase my credit line to 20k.

 

So, excited!!! This my first high limit credit card ever. To think 4 months ago my highest credit card line of credit was 800 dollars from credit one. (not including store cards).

__________________________________________________________________________________________________

Update: 08/04/2015

 

My payment of 7.4k just posted, so I decided to call (BofA:  866-618-4585 (Sr Credit Analyst) again to see if they would increase to 25k. Spoke with a very nice lady, which said sorry no lol...... Smiley Very Happy She said the reason was because of to many recent credit lines opened (I laughed inside) lol. However, she did say that the 25k limit is possible for your credit file, but the system will not allow me to grant you the limit due to recent accounts opened. She used the same TU. No new TU pull.

 

I figured it was a little to fast (5 days) to call again and ask for a CLI, so I am going to wait until August 22nd until I call one last time to see if they will grant me a higher Credit line. Trying to make use of the 30-day same credit pull window, worst can say is no. I'll be putting another 8k through the card before the 22nd, which I'm hoping it will help since I've already pul 10k through the card in 8-days.

 

I'll keep you guys post Smiley Happy

Message 1 of 37
36 REPLIES 36
Anonymous
Not applicable

Re: BOA becomes Unsecure and CLI

Good job!!  Enjoy your card being unsecured and the CLI...  Well earned.

Message 2 of 37
Anonymous
Not applicable

Re: BOA becomes Unsecure and CLI

my BOA went unsecure after the 12th statement, i PC to a cash reward.  After the new card arrived, i went online for CLI to ask for 5k and was countered with 1600.  i called for recon next morning and got 5k more for a total of 6600.

 

u should definitely call for a recon if you want more CL

Message 3 of 37
newhis
Valued Contributor

Re: BOA becomes Unsecure and CLI

You can ask for recon and to use the same pull up to 30 days. So keep calling. You can also try the senior analyst number. Good luck.

 

If you get your card at 5k or above, then ask for Visa Signature version.

Message 4 of 37
Anonymous
Not applicable

Re: BOA becomes Unsecure and CLI

Congrats!

Message 5 of 37
Anomalous
Senior Contributor

Re: BOA becomes Unsecure and CLI

Congratulations on getting it unsecured and the CLI!

That's cool that they brought up the Carson's account. I guess having a high limit store card sorta works in one's favor. Glad I got one myself Smiley Wink

Keep both your credit and your body in top shape!

Message 6 of 37
Bpearl2010
Regular Contributor

Re: BOA becomes Unsecure and CLI

Thank you everyone, I went ahead and charged 2k on the card, waiting for it to post and paying it full and then I'll the SR. Credit Analyst hopefully give me a bigger CLI. 

Message 7 of 37
newhis
Valued Contributor

Re: BOA becomes Unsecure and CLI

Good luck, keep us posted.

Message 8 of 37
Anonymous
Not applicable

Re: BOA becomes Unsecure and CLI

Congrats! I never knew secured cards actually unsecure at some point. I always see people apply for unsecured after a year or two and get it but I didnt know actual secured cards graduate on their own. Smiley Happy

Message 9 of 37
tbque
Valued Contributor

Re: BOA becomes Unsecure and CLI

Congrats on the BOA graduation and good luck with the CLI!






Message 10 of 37
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.