BoA upgrade to visa signature question

TekkenQQ7 · ‎10-22-2015

Hi guys,

First of all i would like to thank everyone for your time and thoughts. I just received a CLI from BoA 2000 to 5900, now that my account is eligible for a visa signature do you think I should request the upgrade or they will upgrade it automatically ? And is is true if I do the upgrade my account will not show the SL on my credit report?

Anonymous · ‎10-23-2015

Go ahead and ask for the upgrade and you should be able to get it now that you are over $5k. The line will still show on reports.

TekkenQQ7 · ‎10-23-2015

thank you MrPTato

TrueGeminiNC · ‎10-23-2015

@TekkenQQ7 wrote:

Hi guys,

First of all i would like to thank everyone for your time and thoughts. I just received a CLI from BoA 2000 to 5900, now that my account is eligible for a visa signature do you think I should request the upgrade or they will upgrade it automatically ? And is is true if I do the upgrade my account will not show the SL on my credit report?

Yes - you will get the Signature and BOA now reports the credit iine on flexible spending credit accounts.

Discover2016 · ‎10-23-2015

Blah, I am short $300 to make my Cash Rewards a Visa Signature

Gardening until September 2025
Next app: Mortgage in September 2025
FICO 08 Experian 810

TekkenQQ7 · ‎10-23-2015

@TrueGeminiNC wrote:
@TekkenQQ7 wrote:

Hi guys,

First of all i would like to thank everyone for your time and thoughts. I just received a CLI from BoA 2000 to 5900, now that my account is eligible for a visa signature do you think I should request the upgrade or they will upgrade it automatically ? And is is true if I do the upgrade my account will not show the SL on my credit report?

Yes - you will get the Signature and BOA now reports the credit iine on flexible spending credit accounts.

Is there a way to do it online? because i am trying to avoid any phone calls and stay under the radar for too many new accts

Anonymous · ‎10-26-2015

@TekkenQQ7 wrote:
@TrueGeminiNC wrote:
@TekkenQQ7 wrote:

Hi guys,

First of all i would like to thank everyone for your time and thoughts. I just received a CLI from BoA 2000 to 5900, now that my account is eligible for a visa signature do you think I should request the upgrade or they will upgrade it automatically ? And is is true if I do the upgrade my account will not show the SL on my credit report?

Yes - you will get the Signature and BOA now reports the credit iine on flexible spending credit accounts.
Is there a way to do it online? because i am trying to avoid any phone calls and stay under the radar for too many new accts

Use the chat feature. If they did a HP for the CLI and your new accounts were on your TU report, then they already know about them. Also, they don't do a credit check to upgrade your account to a visa signature.