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FINALLY - BofA Product Change!!

BuildingBetterCredit2020
Valued Member

FINALLY - BofA Product Change!!

For those of you that may be interested, a few data points and interesting points of note:

 

  • BoA BankAmericard Secured $1500 CLI from 2018
  • Became unsecured in early 2020
  • Requested first PC in fall of 2020 with no luck
  • Requested 2nd PC in winter of 2021 with no luck
  • Requested CLI to $4000 successfully in Feb 2021
  • Just requested a CLI to $5500 yesterday successfully
  • ALSO requested a PC later yesterday afternoon successfully!

Background - 

https://ficoforums.myfico.com/t5/Credit-Cards/BofA-Refusal-of-Product-Change-OR-CLI/td-p/6200282

https://ficoforums.myfico.com/t5/Credit-Cards/BoA-PC-eureka-moment/td-p/6347156

 

Don't know if it was the luck of the draw in terms of a CSR and/or the CLI I had, but whatever it is no complaints now. 

 


July 2021

Message 1 of 19
18 REPLIES 18
CreditAggie
Super Contributor

Re: FINALLY - BofA Product Change!!

Congratulations on your BofA CLI and product upgrade!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 2 of 19
Rebuild2022
Super Contributor

Re: FINALLY - BofA Product Change!!

Congrats

Gardening since 08/2020
Message 3 of 19
Elpadrino1
Established Contributor

Re: FINALLY - BofA Product Change!!

Congratulations on your BofA product change!!

Message 4 of 19
BearsCubsOtters
Frequent Contributor

Re: FINALLY - BofA Product Change!!

Congrats.

 

So you changed to the Cash Rewards? Will it stay a Mastercard? 

 

The last time I PC'ed with BofA was many years ago and it took nearly 2 months for the change to be complete. Very strange. Please let us know if that is still the case. 

Message 5 of 19
Namaste7
Established Contributor

Re: FINALLY - BofA Product Change!!


@BearsCubsOtters wrote:

Congrats.

 

So you changed to the Cash Rewards? Will it stay a Mastercard? 

 

The last time I PC'ed with BofA was many years ago and it took nearly 2 months for the change to be complete. Very strange. Please let us know if that is still the case. 


I have recent PC experience with BofA. My PC this year was surprisingly quick compared to the old process of 2 months. The PC online was a few days and I got the card in 2 weeks (approximately). 

~~MMXX~~
My Garden Goal: Double NW
Message 6 of 19
KingRue8500
Valued Contributor

Re: FINALLY - BofA Product Change!!

Congrats on your BOA Product Change approval




Message 7 of 19
gdale6
Moderator

Re: FINALLY - BofA Product Change!!

Grats on the successful CLI and subsequent PC Smiley Happy

Message 8 of 19
babygirl1256
Valued Contributor

Re: FINALLY - BofA Product Change!!

Congrats on your BoA product change and CLIs!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 9 of 19
Total80sKid
Valued Contributor

Re: FINALLY - BofA Product Change!!

Congrats on your BOFA increases and product change 👍🏼

Message 10 of 19
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