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BOFA GRADUATION!!

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Newbie2018
Frequent Contributor

Re: BOFA GRADUATION!!

I do value my hard pulls because im at a very high amount as it is. Although most of them are a year old. I think I pushed my limit as it was with graduation. After so many denials I don't think they would grant me an increase. I'll wait a few more months. I'm in no rush 😊
Message 11 of 24
morgacj2004
Valued Contributor

Re: BOFA GRADUATION!!

You need to ask for CLI and start working on another BofA card then close but PC CL to next card and so on. That is how I got my AK Air Siggy which now has a 9.8k CL.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 12 of 24
Newbie2018
Frequent Contributor

Re: BOFA GRADUATION!!

I'm not suave on the lingo yet lol. So you're saying, request a product change to a new BofA card and just transfer that Credit limit to the new card? Then close out the old one? With my current scores do you see that possible? My EQ is a little higher now but I haven't pulled it yet. I believe ElQ is what they use for a new product. I'm guesstimating my EQ at 639 ish right now. They may deny me on inquiries alone.
Message 13 of 24
morgacj2004
Valued Contributor

Re: BOFA GRADUATION!!

No applying for a new card. But before you do that wait a few months putting good spend on the card and PIF. I applied for several AK Air cards getting the Plat each time, meeting min spend and then closing once I Xnsfr existing CL to my open card eventually getting the signature card which I really wanted. Also had the cash rewards which is a decent card

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 14 of 24
morgacj2004
Valued Contributor

Re: BOFA GRADUATION!!

No applying for a new card. But before you do that wait a few months putting good spend on the card and PIF. I applied for several AK Air cards getting the Plat each time, meeting min spend and then closing once I transferred existing CL to my open card eventually getting the signature card which I really wanted. Also had the cash rewards which is a decent card

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 15 of 24
Newbie2018
Frequent Contributor

Re: BOFA GRADUATION!!

I ready have BofA cash rewards. It's the one that graduated.
Message 16 of 24
JR_TX
Valued Contributor

Re: BOFA GRADUATION!!


@Newbie2018wrote:
I ready have BofA cash rewards. It's the one that graduated.

What morgacj2004 is saying is that you would need to get another BoA card to grow. That secured card that just graduated will almost certainly be “bucketed” and will never fully grow!

I had a 99/500 card opened in 2015 refunded 6 months later. Opened a new BoA Cash Rewards card in 2016 combined and closed the 500 card. That card just got bumped to$6.5K few weeks ago.

Here’s what I suggest... Wait AT LEAST 3 months minimum. 6 Months is ideal though then try. If you want them to pull your EX then app for a new card first then do a CLI on your existing card right after. (They usually use same pulls for 30 days). And if you want them to pull your TU then hit that CLI button first then app for a new card. You can now then combine your cards and close the graduated one that’s most likely “bucketed”.

 

Good Luck and keep us posted!

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

Message 17 of 24
Newbie2018
Frequent Contributor

Re: BOFA GRADUATION!!

Great advice! And I understand now. Thank you for the break down. So all in all still wait 3 months at least before I do it.
Message 18 of 24
morgacj2004
Valued Contributor

Re: BOFA GRADUATION!!

Yes that would be advisable

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 19 of 24
Anonymous
Not applicable

Re: BOFA GRADUATION!!

OP.  Congrats on the graduation.

 

Question for ya.  What and where did they pull for your graduation?

 

Thank you!

Message 20 of 24
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