@steelers1 wrote:
It sounds like Slate's twin sister.
It is. They killed the Better Balance Rewards and changed the BankAmericard from a no-frills lower APR card with long 0% BT (w/ 3% fee) and 0% purchase APR to match Slate's 15 months 0% / 0% with no BT fee if done soon after card opening.
@SouthJamaica wrote:
@AverageJoesCredit wrote:
Congrats and sorry same time SJ. At least Boa isnt Disco. That 3k could easily turn into 30k within a year especially with your profile and most likely income. Agree with K, recon it . As disappointing as the sl may be , this is one lender that will work with you and a good profile unlike your Discover that seems to fall on def earsI did call to recon, and they said no since I'd just applied.
Look up the BOA executive office/ceo email and send them one. I bet they will get back to you and try to help you out. BOA recon has always been poor and you can see my CL with them and relationship. Hope this helps!
@signaturecardmember wrote:
@SouthJamaica wrote:
@AverageJoesCredit wrote:
Congrats and sorry same time SJ. At least Boa isnt Disco. That 3k could easily turn into 30k within a year especially with your profile and most likely income. Agree with K, recon it . As disappointing as the sl may be , this is one lender that will work with you and a good profile unlike your Discover that seems to fall on def earsI did call to recon, and they said no since I'd just applied.
Look up the BOA executive office/ceo email and send them one. I bet they will get back to you and try to help you out. BOA recon has always been poor and you can see my CL with them and relationship. Hope this helps!
Thanks for the idea.
The email address I found was supposedly for the CEO, so I sent him an email asking for reconsideration.
Will update if anything interesting happens.
I am so sorry about your SL. I find Boa does start out low but in the 3 to 4 months time Boa cards starts to jump high. I don't know if you have any other Boa cards if you do you could move the limit over to this card if you need to do a BT. One of my Boa cards started at 2K and 9 months later it's 23.6K
Once again I am very sorry Boa didn't start you out the way you wanted them to 
@JoeLuvsHisCredit wrote:
I am so sorry about your SL. I find Boa does start out low but in the 3 to 4 months time Boa cards starts to jump high. I don't know if you have any other Boa cards if you do you could move the limit over to this card if you need to do a BT. One of my Boa cards started at 2K and 9 months later it's 23.6K
Once again I am very sorry Boa didn't start you out the way you wanted them to
+1
SouthJamaica- You can clearly see that so-called marketed BT Cards ARE NEVER THAT and likely never will be. It's a marketing tactic ONLY.
Chase Slate-Citi Simplicity/Diamond Preferred-and this experience that you just went through confirms it yet again.
The PLUS with BofA is that as mentioned above it will quickly accelerate to a nice line eventually.
But if it was a BT Card you were expecting a half-way decent line on, you will always be so much better off applying for any of a number of lenders REGULAR CARD PRODUCTS that would almost assuredly approve for limits much more in line with your current profile + FICO Score. (something you already know about all to well anyway) 
Most of those by default (of course you have to check that they actually do) also include an introductory 0% BT offer right out of the gate and one where those limits much more can support a reasonable balance to place on it.
Cheers 
@CreditMagic7 wrote:
@JoeLuvsHisCredit wrote:
I am so sorry about your SL. I find Boa does start out low but in the 3 to 4 months time Boa cards starts to jump high. I don't know if you have any other Boa cards if you do you could move the limit over to this card if you need to do a BT. One of my Boa cards started at 2K and 9 months later it's 23.6K
Once again I am very sorry Boa didn't start you out the way you wanted them to
+1
SouthJamaica- You can clearly see that so-called marketed BT Cards ARE NEVER THAT and likely never will be. It's a marketing tactic ONLY.
I learn something new every day here
Chase Slate-Citi Simplicity/Diamond Preferred-and this experience that you just went through confirms it yet again.
The PLUS with BofA is that as mentioned above it will quickly accelerate to a nice line eventually.
Yes but it will be a worthless card for other reasons; it will have high fees and high interest and no rewards.
But if it was a BT Card you were expecting a half-way decent line on, you will always be so much better off applying for any of a number of lenders REGULAR CARD PRODUCTS that would almost assuredly approve for limits much more in line with your current profile + FICO Score. (something you already know about all to well anyway)
Most of those by default (of course you have to check that they actually do) also include an introductory 0% BT offer right out of the gate and one where those limits much more can support a reasonable balance to place on it.
Cheers
@signaturecardmember wrote:
@SouthJamaica wrote:
@AverageJoesCredit wrote:
Congrats and sorry same time SJ. At least Boa isnt Disco. That 3k could easily turn into 30k within a year especially with your profile and most likely income. Agree with K, recon it . As disappointing as the sl may be , this is one lender that will work with you and a good profile unlike your Discover that seems to fall on def earsI did call to recon, and they said no since I'd just applied.
Look up the BOA executive office/ceo email and send them one. I bet they will get back to you and try to help you out. BOA recon has always been poor and you can see my CL with them and relationship. Hope this helps!
Well guess what?
I followed your advice, sent an email to the CEO.
The next morning I got a call from the credit card department. Lady asked me a few questions. Agreed that the limit was too low for my credentials. And raised it to $15,000!
Thank you so much for your advice. I never ever would have thought to do that
@SouthJamaica wrote:
@signaturecardmember wrote:
@SouthJamaica wrote:
@AverageJoesCredit wrote:
Congrats and sorry same time SJ. At least Boa isnt Disco. That 3k could easily turn into 30k within a year especially with your profile and most likely income. Agree with K, recon it . As disappointing as the sl may be , this is one lender that will work with you and a good profile unlike your Discover that seems to fall on def earsI did call to recon, and they said no since I'd just applied.
Look up the BOA executive office/ceo email and send them one. I bet they will get back to you and try to help you out. BOA recon has always been poor and you can see my CL with them and relationship. Hope this helps!
Well guess what?
I followed your advice, sent an email to the CEO.
The next morning I got a call from the credit card department. Lady asked me a few questions. Agreed that the limit was too low for my credentials. And raised it to $15,000!
Thank you so much for your advice. I never ever would have thought to do that
That's so AWESOME and I am so happy for you Congrats!!!!!!! One thing I love about Boa they will keep on sending you BT offers in the future. They just sent me a 18 months 0% offer and They allow you to make a direct deposit into your checking account with a 0% offer
Also keep in mind if you didn't know about this. Whenever you do ask for a cli or apply for another card in the future, You can use the same HP for 30 days for everything with BOA
For example I got a CLI on my card and got a new card with one HP. I always wait until the credit line increase button shows up before I do everything all at once