Bank of America Credit Card Graduation?

CountryLivin · ‎06-04-2016

My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!

newhis · ‎06-04-2016

If you touch the link it will be a HP. Some people now get CLI and graduation. Over a year ago, you were able to clic the link and they will ask how much and how you were going to fund the CLI (put more money 'secured'). Both are HP.

I got my card over 2 years ago and the 'early graduation' process was a HP. I read a few months ago that they changed policy and if you ask for graduation at 6 months, they can do it with SP.

Good luck.

Anonymous · ‎06-04-2016

Hit the button and let us know ...

wmweeza · ‎06-04-2016

If you apply now it would age at the same time as other inquries, but yes it would be a HP.

Having been in the garden since Oct of 2014 though I totally understand not wanting any HP's

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Anonymous · ‎06-04-2016

The CLI link showing up does not mean it graduated. I've had that link for almost a year now and mine hasn't graduated yet. If you ask for a CLI it will be a HP, but someone was able to get their card unsecured that way, plus a CLI.

Anonymous · ‎06-04-2016

@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!

BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

CountryLivin · ‎06-04-2016

@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

Anonymous · ‎06-04-2016

@CountryLivin wrote:
@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

Well then just go in for the soft pull. You want the number? How long have you had the card.

bk510 · ‎06-04-2016

@CountryLivin wrote:
@Anonymous wrote:
@CountryLivin wrote:
My account has the blue hyperlink now....do you think it graduated, or do you have to call in for that? Should I hit the link? If it is a HP, I ain't touching it.......I've been gardening for 7 days and I got a long ways to go!
BOA has been doing good things lately. My CC was a secured one with CLI of $300 and had it graduated and approve for a product change. So this what happened. I called them up and ask for a graduation since I had the card for a least 14 months. The rep said if I want graduation only and not requesting CLI then it would be a soft pull. If I want CLI then it would be a HP. So I opted for the graduation only with the soft pull. Got my deposit back about a week ago. So I have my first ever unsecured Credit card. I'm planning on hitting that "request for credit line increase" link pretty soon. Hope this helps. Please keep us posted on your progress

Thanks Kento! Congratulations on getting your card unsecured! And thanks for the information.....I don't really care about an increase on mine, I just want it to graduate! LOL

My card graduated at 11th month without any CLI......Requested CLI online few months ago and got $500, ouch...... Still paying $39 AF, I'll be closing it if they don't waive it by the end of the year.

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Believe1970 · ‎06-04-2016

You can request a CLI. If they approve it, you will probably get bumped up to $1500 and it will be a HP. A few people including myself have had our cli and the acct unsecured recently and it resulted in HP.

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