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it's seems so variable from acct to acct. a few weeks ago i got a modest increase (300) with util in the thirties on the card and other similar balances reporting on other accts. clearly in retrospect, it was probably foolish for me to have pressed the button when i did. i wouldn't try that again myself.but no CLD from boa so far just RJ which doesn't bother me much since i pif the card (actual balance on the cad is zero, even though it is still reporting with a balance on my cbr.)