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BoA 123 Cash Rewards Approved $20K after reallocation :)

DeeBee78
Valued Contributor

BoA 123 Cash Rewards Approved $20K after reallocation :)

I was logged into my BoA account and decided to check my customized offers, even though nothing ever shows up for me. 

 

Today was a little different and I had a preapproval for the Cash Rewards card, with a solid APR of 15.99%. I decided to jump on it, because I was also eligible for a CLI on my BBR, so I was going to try the ole BoA Double Dip™ Smiley Happy

 

Immediate approval for a $9,000 SL. I don't know the APR, but I'm assuming with the solid APR, I might have gotten it. My plan is to activate the card, then move $11,000 from my BBR to make my first $20K card Smiley Happy I tried to go for the CLI on my BBR but got a 7-10 day message. 

 

BoA has been very good to me. I started with a $500 BBR and have solidly worked my way up from that starter limit. They're my primary bank, so they see 90% of my money. 

 

IMG_1455.PNG


Message 1 of 20
19 REPLIES 19
BronzeTrader
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)


@DeeBee78 wrote:

I was logged into my BoA account and decided to check my customized offers, even though nothing ever shows up for me. 

 

Today was a little different and I had a preapproval for the Cash Rewards card, with a solid APR of 15.99%. I decided to jump on it, because I was also eligible for a CLI on my BBR, so I was going to try the ole BoA Double Dip™ Smiley Happy

 

Immediate approval for a $9,000 SL. I don't know the APR, but I'm assuming with the solid APR, I might have gotten it. My plan is to activate the card, then move $11,000 from my BBR to make my first $20K card Smiley Happy I tried to go for the CLI on my BBR but got a 7-10 day message. 

 

BoA has been very good to me. I started with a $500 BBR and have solidly worked my way up from that starter limit. They're my primary bank, so they see 90% of my money. 

 

IMG_1455.PNG


Nice card to have.  If you have Preferred Rewards, you'll get more point rewards....

Message 2 of 20
bigpoppa09
Established Contributor

Re: BoA 123 Cash Rewards Approved :)

Congrats they have shown me nothing but luv also.

Message 3 of 20
sleeplessinsf
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)

Congratulations!  Solid bank, and solid cards!





Message 4 of 20
credit_is_crack
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)

Congrats on the Approval! BoA has been kinder to me recently too so i still have a small crush on them right now lol 

Message 5 of 20
JMED2
Frequent Contributor

Re: BoA 123 Cash Rewards Approved :)

Major Congrats!!!  This is one of my favorite cards!!!  Smiley Happy

USAA Rate Advantage Visa 17.5% 7K|USAA AMEX Rewards+ 5K|USAA Prefered Rewards Visa 4.5K|USAA Classic Visa 2.5K|USAA Classic AMEX 2.5K|USAA Classic MC 2K|CaptialOne QS1 4.5K|Capial One QS Visa 1K|AMEX-EDC 1K|BofA Rewards VISA 10K| BarclayCard Rewards 4K|Barclaycard Choice Rewards Visa 1.4K|Walmart Store Card 6K|Amazon Store Card 4K|Sam's Club 10K|Meriick Visa 1.2K|OverStock 2K|Hilton-AMEX 5K|AMEX BCE 16K|PENFED PRVS 9K|AMEX PRG NSPL|FICOs: EQ 688 EXP 679 TU 685
Message 6 of 20
doinit1
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)

Congratulations on your approval!! I love BofA. Nice lineup BTW....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 7 of 20
c00mtg
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)

Congrats!! Will be looking my offer soon Smiley Happy




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 8 of 20
DeeBee78
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)

Thanks everyone.

 

Update: APR is showing up online now - I got 17.99%, but I don't pay interest, so not a big deal. 

 

Just got off the phone with BoA. I now have a $20K limit on my Cash Rewards, and a $1.3K limit on my BBR. Smiley Happy 

 

Edit: Anyone know how long it takes for BoA online to update with the new limits? I'm still showing $9K on the 123 and $12.3K on the BBR.

 

Edit Again: Nevermind - They finally updated. Lost a ton of my cash advance line (was 50% of CL on my BBR, now only 20% on my 123), but I don't take cash advances anyways. 


Message 9 of 20
DeeBee78
Valued Contributor

Re: BoA 123 Cash Rewards Approved :)


@doinit1 wrote:

Congratulations on your approval!! I love BofA. Nice lineup BTW....Smiley Happy


Thanks, I'll be trimming the herd soon. All my Amex cards are probably on the chopping block. Can't use my revolvers without paying down frequently, and PRG customer service was terrible when they cut off my spending. Will probably replace with Chase Sapphire Preferred next year. I will also be getting rid of Chevron Visa, and WF CashWise if no CLI on them, and will be moving AARP limit into Freedom Unlimited and Amazon. Discover might get the chop soon if no CLI luv from them. 

 

I'm more interested in growing a core group of cards to larger limits these days. 


Message 10 of 20
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