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My adventure with BOA balance transfer card

Highlighted
Super Contributor

Re: Beware of BOA balance transfer card


@JoeLuvsHisCredit wrote:

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 Smiley Happy

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 Smiley Happy


Great tip. Thanks!


Total revolving limits 653000 (575000 reporting)

Message 21 of 35
Highlighted
Contributor

Re: Beware of BOA balance transfer card


@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 earsSmiley Wink

I 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 Smiley Happy

 

 


That's incredible! Well done! Maybe you can post the email you used, verbiage and all, somewhere? Would be a great datapoint to share! Congrats.

 



AmEx FICO 8: EX [714] | Discover Credit Scorecard FICO: EX [719]
  

Message 22 of 35
Highlighted
Super Contributor

Re: Beware of BOA balance transfer card

Yet another update.

 

After further review of my file, and asking a lot of probing questions, they reconsidered their reconsideration and decided to stick with the $3k.

 

Oh well.

 

 


Total revolving limits 653000 (575000 reporting)

Message 23 of 35
Highlighted
Valued Contributor

Re: Beware of BOA balance transfer card

WAIT

You didn't get the 15K? No way I have never have hear anything like this threw Boa OMG I am so sorry

Message 24 of 35
Highlighted
Valued Contributor

Re: Beware of BOA balance transfer card

Again--Sorry to hear OP. Man--I'm really learning a LOT about B of A from ths thread! The only thing I can figure about your situation is the same thing someone said about my NASA approval the other day: That they figure you already have more than enough credit already for your income (whatever that may be) and they want to play it safe for now.......?

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 25 of 35
Highlighted
Contributor

Re: Beware of BOA balance transfer card

Wow, the wild ride continues! That's crazy, man. BofA stays losing with me. Can't wait to get rid of 'em.

 



AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]

  

Message 26 of 35
Highlighted
Super Contributor

Re: Beware of BOA balance transfer card

What a story, SJ! Such ups and downs! So sorry they CL was reduced again. You have amazing scores and CL's.


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 27 of 35
Highlighted
Super Contributor

Re: Beware of BOA balance transfer card


@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 earsSmiley Wink

I 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 Smiley Happy

 

 


You might want to update your topic title to reflect the new improved LIMIT!!! Smiley Happy

 

That's more like it.

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8910111213
Rebuild Begin 7/22-FICO alternating avg's 650 + - So in the drink for awhile UGH
1213444ind
Message 28 of 35
Highlighted
Contributor

Re: Beware of BOA balance transfer card


@CreditMagic7 wrote:

@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 earsSmiley Wink

I 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 Smiley Happy

 

 


You might want to update your topic title to reflect the new improved LIMIT!!! Smiley Happy

 

That's more like it.


I suggest you read the whole thread lol

 



AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]

  
CENTURY CLUB MEMBER

Message 29 of 35
Highlighted
Valued Contributor

Re: Beware of BOA balance transfer card


@CreditMagic7 wrote:

@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 earsSmiley Wink

I 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 Smiley Happy

 

 


You might want to update your topic title to reflect the new improved LIMIT!!! Smiley Happy

 

That's more like it.


Message 30 of 35
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