Another Love BoA Thread

nicemann · ‎05-09-2008

So I figured I go ahead and risk the INQ to apply for the Americard with Bank of America. I currently have the US Airways with a CL of $14,000. I called it over the phone because I know BoA is more willing to work with you when you talk to a live person. Well it worked out great for me. I did the application and then was told I needed to to talk to the "credit department" for more questions. Very nice lady told me I would be approved because of my history with BoA. They pulled my EX (only 663 and two collections on it) and since all of my accounts are new and I had a good bit of INQs she could only approve more for an additional $3,000 because of my high CL with their other card.

It was kind of like playing let's make a deal. We started to negogiate CLs between the two cards. Since she said I could only have $17,000 between both cards, I was able to talk her into $10,000 on each. So got another $3,000 out of her.

Then she said well we also have the WorldPoints AMEX. That I am also approved for that. Once again I would have to take limits away from the other two cards if I wanted this one. I told her no thanks, only way I would take it is if she could get more more money. She had to talk to her supervisor. After about five minutes on hold she came back and said they really want me to try it so they will give me a $2,500 CL on it. That I could call back in a few months and ask for a CLI. So of course I took it.

Now all of this happened because I signed up for the $99/$300 card about 20 months ago. Best decision I ever made. As for the two new cards hurting my credit.....heck all of my accounts are so new it shouldn't really effect it too much.

I love BoA!

Anonymous · ‎05-09-2008

Super Congrats nicemann!!!!

Your testimonial is further evidence that it's always

best to speak to a live person over the phone. What

you accomplished in 1 phone call may well have taken

you months to achieve otherwise, so I'm very happy

everything worked out for you.

Once again, Congratulations on your success!

CanDo

"The right attitude is everything"

nicemann · ‎05-09-2008

Thank you CanDo.....I just wanted to pass on the word so people who are offered the secured card from BoA thinks twice before declining it.

My $99 turned into $22,500 worth of credit.

Anonymous · ‎05-09-2008

I wish they would offer me the 99/500, i would take it in a heart beat! I am still considering doing their fully secured card, just because it is a good company to establish credit with, as you just proved!

Anonymous · ‎05-09-2008

I have a unsecured $500CL PP BOFA card that is coded like the 500/99 card. I can't wait for is to open up in a few months... Makes me want to app for another card with them!

fused · ‎05-09-2008

Great! My wife and I love BoA and FIA too.

Anonymous · ‎05-09-2008

BOA has been great to me with CLI and easy to work with. $12,000 car loan, and $20,000 in CCs with 1 inquiry.

nicemann · ‎05-09-2008

FretlessMayhem wrote:
BOA has been great to me with CLI and easy to work with. $12,000 car loan, and $20,000 in CCs with 1 inquiry.

Yeah when it's time to buy a new car...I am going with them too

tonsers · ‎05-09-2008

They've been great to me, too. Two CCs with high limits, car loan with super low rate (4.9% on a used car), I'm a huge BofA fan. I hope they are this generous when I am ready to buy a house!

nicemann · ‎05-10-2008

Wow BoA does not play around. Logged onto my BoA account online and it already had the two new credit cards linked. So I figured I would check out my CreditCheckTotal and both accounts were already posted and they adjusted my CL with the other one. They don't play around. Cards are probably not even mailed yet.