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juniornj23
Established Contributor
‎12-05-2018 03:39 AM
‎12-05-2018 03:39 AM

BoA close

BoA just closed my 123 and 3 moths ago they gave me cli of 3k on my Visa card now they reduced my cl from 20 to 16 .
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 1 of 6
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5 REPLIES 5
AverageJoesCredit
Legendary Contributor
‎12-05-2018 03:56 AM
‎12-05-2018 03:56 AM

Re: BoA close

Any reason?
Message 2 of 6
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juniornj23
Established Contributor
‎12-05-2018 04:31 AM
‎12-05-2018 04:31 AM

Re: BoA close

Not Im calling today and ask
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 3 of 6
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JR_TX
Valued Contributor
‎12-05-2018 08:16 AM
‎12-05-2018 08:16 AM

Re: BoA close

Sorry to hear OP. How many accts did you open in the last 6 months? Looking at your siggy, I’m guessing a lil too much? That might’ve spooked them?
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 0 EQ 0 TU 0 | AAoA 9y8m | UTIL 1% - 4% | $300K+ Total Limits

Message 4 of 6
FinStar
Moderator Emeritus
‎12-05-2018 06:11 PM
‎12-05-2018 06:11 PM

Re: BoA close

OP, this sounds like a classic example of AA. Lenders simply don't close or CLD accounts for no specific reason so there appears that you've been on their radar to have taken such action, unless it was a returned payment or fraud instance of some sort.
Message 5 of 6
RonM21
Valued Contributor
‎12-07-2018 03:29 PM
‎12-07-2018 03:29 PM

Re: BoA close

Op, were they able to provide any feedback as to why this happened? As the others said, the only cause for this had to be related to them seeing you as being more of risk. Usually, there is a negative trend or something they see in your profile that spooks them into doing this.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 6 of 6
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