BofA are my cards bucketed???

[FinStar]

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@Anonymous wrote:

I just learned the term bucketed last year and I was under the assumption that an bucketed account would be 1,000 or less. I'm trying really hard to understand how 35,000 and 55,000 would ever be considered bucketed. Is my assumption incorrect?

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Products, at any level, can still be internally "tranched" -- even with such high limits.

[SoCalGardener]

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@Anonymous wrote:

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@SoCalGardener wrote:

I don't think you're bucketed, @Anonymous, on those two cards--I think you're just at your limit as far as BofA goes. Maybe those specific cards they acquired just can't get any CLIs for some reason, which may or may not have anything to do with how high their limits are now. In other words, some other customer whose same two cards were acquired by BofA, but with limits of $3,000 and $4,000 could still be sitting there now, with no increases to ever come. If you could find your original paperwork from when that transition occurred, maybe it's buried in there somewhere, i.e., 'although this card remains open, it will no longer be eligible for certain benefits.... [credit line increases] [balance transfers] [etc.].....'

Since you now know that CLI requests are soft pulls at BofA, you might as well try for one! I don't think you can get two at or around the same time, so choose wisely. You may be surprised!

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You are probably right. I use the cards so they do not go dormant. Here is the problem, I need to have 2% utilization report every month so my scores do not drop. The higher the CL's go the more and more I need to have report. So at this time I am really going to stick to the garden and not even do any SP CLI's, If I get another $100K in credit then that means another $2K needs to report so my utilization does not drop. Enough is enough LOL

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Ha ha ha ha!! Like I've insinuated before, I think you're crazy!   My 15 active accounts are more hassle than they're worth for me--I simply CANNOT imagine having as many cards as you do. *SMH*

As for the 2% thing....where are you getting that? I always thought that ANY amount would suffice when you're doing AZEO. Is that wrong? My score is at its absolute highest when I have all zero balances except for a small amount on one card--and when I increase utilization, my score DROPS. I'm not seeing how yours goes UP.

[FinStar]

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@Anonymous wrote:

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@coldfusion wrote:

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@Anonymous wrote:

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@coldfusion wrote:

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@Anonymous wrote:

I will try to keep this short and to the point.

I have 4 BofA credit cards. Two where issued by BofA and two came from MBNA about 15 year ago when they took over that bank.

My two MBNA cards now BofA had CL's of $55,000 and $35,000 at time of the take over. I have NEVER received an auto CLI on either card, nor have I ever asked for a CLI, I just figured that at the current lines I would not want to do a HP. I also NEVER received any BT offers on these two cards. No specials, and they have a high interest rate which does not matter to me what the interest rate is. I never pay interest.

Now I also have two BofA cards that I originated at BofA, these two get BT offers all the time, have had a few auto CLI's over the years and the interest rate on these two are like 11% lower then my other two.

The 2 that where taken over are now 14 years at BofA for a total age between the two banks of 24 years and 25 years old.

The 2 that BofA originated are 10 years and 12 years old.

How do I find out if the two MBNA accounts are bucketed? They sure appear that way, however, from reading on here most bucketed cards have very low CL's which mine do not. 

Thank you in advance.

Mark

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BoA CLI requests trigger soft pulls from Transunion, and total CL across all BoA cards matters. 

Given that you have $90K across 2 cards and you have 2 others it's a near certainty that you wouldn't get autoCLIs. You would have to request a CLI and wait for an analyst to review.    Have you crossed the $99.9K threshold in aggregate CL across all 4 cards? 

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My total CL's between the 4 cards is $133,000

Thanks

Mark

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You aren't bucketed,  you're just at the point where it's a virtual certainty that an analyst is going to have to call the ball. 

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Ah I see. I probably only put on the 4 cards around $100,000 per year total which comes out to under $10,000 a month. I am sure that any UW looking at the accounts would say with that useage the limits will stand as they are. I was just curious.

But why are the 2 MBNA cards have such a high interest rate? They look like default rates which is odd since I never defaulted or payed anyone ever late, My FICO is 780 at TU. Like I said I do not carry balances. Is that what they are hoping for? that I carry a balance so they can charge me 25% LOL. I just dont understand. 

Thanks

Mark

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Interesting.

I still have a couple of their former or 'legacy MBNA/FIA' CCs and I was able to obtain CLIs on them a while back. I haven't had the need to request any additional CLIs given they're adequate for my needs at the moment + I've reallocated some CLs around.

As far as overall exposure, I'm way north of $200K with BoA/ML (business and personal). So, it sounds like you've reached ceiling with those particular 2 cards and there may or may not be any additional juice to squeeze with the others given your present exposure with BoA.

As far as those APRs, mine were not impacted when the entire MBNA/FIA CC portfolio was integrated into the BoA platform years ago. Something about your profile that kept them at the higher end. Sometimes it has nothing to do with defaulting or ever paying late. It has to more to do with internal behavioral scoring (based on a combination or internal and/or external factors), economic trends and account performance.

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:

So, what's your TCL now and how many cards? 

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I still have two cards that are not reporting yet, Aspiration ZERO with a $20,000 CL and Truist (new purple card) $12,000

Total cards once the Truist card arrives will be 80. Total CL is 1.35M and 1.38M EQ AND EX. At TU I would have to go off of CK and I know that is not reliable since is a fake score or Vantage score. Only FICO scores are reliable. I have a closed dispute at HSBC but it is not reporting yet as solved, so one agency is not including my CL in my figures. It is blank. Only shows as excellent payer. 

I also have 27 Debit cards, one per each checking or savings account that I have. Citi for example. I have a debit card for the checking, and a seperate for the savings. It is the same at most of the banks, Capital One and a bunch others even WF a seperate card for each account.

Thanks

Mark

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Thanks, Mark.

So, you have $976,000 in credit lines spread on 21 cards, and remaining $324,000.00 is spread across 60 cards? 

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It is not including the 2 that are not posted. $1,385,000 

1 Card $330K, 2 @$75K = $150K, 8 @ $45K to $55K = $380K, then 68 cards with a total of about $525K

Thank god for steno books 

I have a few from $12K to $25K but most are $5K to $12K

Thanks

Mark

---

Your $110,000.00 card you talked about a month ago or so is now $150,000.00?

That's a significant increase, or is that a whole other card which wasn't referenced before? 

Steno books, been a while lol. 

I was born with eidetic memory, it did wonders for me while in school, but now it can be a nuisance because I cannot remember where my car keys are, however I can remember number of sheep in Australia 15 years ago because I read it and image is seared in my head, hence all my questions. 

[Anonymous]

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@SoCalGardener wrote:

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@Anonymous wrote:

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@SoCalGardener wrote:

I don't think you're bucketed, @Anonymous, on those two cards--I think you're just at your limit as far as BofA goes. Maybe those specific cards they acquired just can't get any CLIs for some reason, which may or may not have anything to do with how high their limits are now. In other words, some other customer whose same two cards were acquired by BofA, but with limits of $3,000 and $4,000 could still be sitting there now, with no increases to ever come. If you could find your original paperwork from when that transition occurred, maybe it's buried in there somewhere, i.e., 'although this card remains open, it will no longer be eligible for certain benefits.... [credit line increases] [balance transfers] [etc.].....'

Since you now know that CLI requests are soft pulls at BofA, you might as well try for one! I don't think you can get two at or around the same time, so choose wisely. You may be surprised!

---

You are probably right. I use the cards so they do not go dormant. Here is the problem, I need to have 2% utilization report every month so my scores do not drop. The higher the CL's go the more and more I need to have report. So at this time I am really going to stick to the garden and not even do any SP CLI's, If I get another $100K in credit then that means another $2K needs to report so my utilization does not drop. Enough is enough LOL

---

Ha ha ha ha!! Like I've insinuated before, I think you're crazy!   My 15 active accounts are more hassle than they're worth for me--I simply CANNOT imagine having as many cards as you do. *SMH*

As for the 2% thing....where are you getting that? I always thought that ANY amount would suffice when you're doing AZEO. Is that wrong? My score is at its absolute highest when I have all zero balances except for a small amount on one card--and when I increase utilization, my score DROPS. I'm not seeing how yours goes UP.

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Oh no, whenever my scores go under 2% my TU drops like a ton of bricks. Like 60 points. the next month once I carry at least 2% I get the 60 points back. I have done a lot of trial and error over the years to test the FICO system. However, it is not the same at all 3. On EQ with the zero that you are talking about then my scores hit 800 on EQ but drop to 720 at TU LOL so to keep everyone between 770 and 790 I let 2% report. Now at EX, well I think they are just smoking something , I better just shut up

Thanks

Mark

I must say everyone is so worried about HP's I have somewhere around 34 to 39 depending where you look, even though I do not like them they have zero damage to my scores. Banks do not like them either but as far as my score, really no change. 

[Anonymous]

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:

So, what's your TCL now and how many cards? 

---

I still have two cards that are not reporting yet, Aspiration ZERO with a $20,000 CL and Truist (new purple card) $12,000

Total cards once the Truist card arrives will be 80. Total CL is 1.35M and 1.38M EQ AND EX. At TU I would have to go off of CK and I know that is not reliable since is a fake score or Vantage score. Only FICO scores are reliable. I have a closed dispute at HSBC but it is not reporting yet as solved, so one agency is not including my CL in my figures. It is blank. Only shows as excellent payer. 

I also have 27 Debit cards, one per each checking or savings account that I have. Citi for example. I have a debit card for the checking, and a seperate for the savings. It is the same at most of the banks, Capital One and a bunch others even WF a seperate card for each account.

Thanks

Mark

---

Thanks, Mark.

So, you have $976,000 in credit lines spread on 21 cards, and remaining $324,000.00 is spread across 60 cards? 

---

It is not including the 2 that are not posted. $1,385,000 

1 Card $330K, 2 @$75K = $150K, 8 @ $45K to $55K = $380K, then 68 cards with a total of about $525K

Thank god for steno books 

I have a few from $12K to $25K but most are $5K to $12K

Thanks

Mark

---

Your $110,000.00 card you talked about a month ago or so is now $150,000.00?

That's a significant increase, or is that a whole other card which wasn't referenced before? 

Steno books, been a while lol. 

I was born with eidetic memory, it did wonders for me while in school, but now it can be a nuisance because I cannot remember where my car keys are, however I can remember number of sheep in Australia 15 years ago because I read it and image is seared in my head, hence all my questions. 

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I never had a single $110K card and the $150K upthread is for TWO $75K cards, not one card.

The only thing that makes me wonder is what Finstar and SoCalGardner said about the interest rate on those two high limit cards. I do remember way back when the rates went that high, it was with MBNA /FIA before BofA took over the accounts so it is not BofA that imposed those rates.

I am just glad that I don't live in California, I heard that it may fall off and Nevada will be the new west coastine. This came from a very reliable source. Chicken Little told me and said a piece of it landed on her tail. Or I am confusing this with my high interest rate CC LOL

Thanks

Mark

[SoCalGardener]

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@Anonymous wrote:

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I am just glad that I don't live in California, I heard that it may fall off and Nevada will be the new west coastine. This came from a very reliable source. Chicken Little told me and said a piece of it landed on her tail. Or I am confusing this with my high interest rate CC LOL

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I'll wave as my house sinks into the beautiful blue Pacific Ocean....  

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

---

@Anonymous wrote:

---

@Remedios wrote:

---

@Anonymous wrote:

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@Remedios wrote:

So, what's your TCL now and how many cards? 

---

I still have two cards that are not reporting yet, Aspiration ZERO with a $20,000 CL and Truist (new purple card) $12,000

Total cards once the Truist card arrives will be 80. Total CL is 1.35M and 1.38M EQ AND EX. At TU I would have to go off of CK and I know that is not reliable since is a fake score or Vantage score. Only FICO scores are reliable. I have a closed dispute at HSBC but it is not reporting yet as solved, so one agency is not including my CL in my figures. It is blank. Only shows as excellent payer. 

I also have 27 Debit cards, one per each checking or savings account that I have. Citi for example. I have a debit card for the checking, and a seperate for the savings. It is the same at most of the banks, Capital One and a bunch others even WF a seperate card for each account.

Thanks

Mark

---

Thanks, Mark.

So, you have $976,000 in credit lines spread on 21 cards, and remaining $324,000.00 is spread across 60 cards? 

---

It is not including the 2 that are not posted. $1,385,000 

1 Card $330K, 2 @$75K = $150K, 8 @ $45K to $55K = $380K, then 68 cards with a total of about $525K

Thank god for steno books 

I have a few from $12K to $25K but most are $5K to $12K

Thanks

Mark

---

Your $110,000.00 card you talked about a month ago or so is now $150,000.00?

That's a significant increase, or is that a whole other card which wasn't referenced before? 

Steno books, been a while lol. 

I was born with eidetic memory, it did wonders for me while in school, but now it can be a nuisance because I cannot remember where my car keys are, however I can remember number of sheep in Australia 15 years ago because I read it and image is seared in my head, hence all my questions. 

---

I never had a single $110K card and the $150K upthread is for TWO $75K cards, not one card.

The only thing that makes me wonder is what Finstar and SoCalGardner said about the interest rate on those two high limit cards. I do remember way back when the rates went that high, it was with MBNA /FIA before BofA took over the accounts so it is not BofA that imposed those rates.

I am just glad that I don't live in California, I heard that it may fall off and Nevada will be the new west coastine. This came from a very reliable source. Chicken Little told me and said a piece of it landed on her tail. Or I am confusing this with my high interest rate CC LOL

Thanks

Mark

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Weird because here  you did.

It's cool, I am just glad my memory didn't fail me for the first time. Never know when I might need it. 

[Crowhelm]

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@Remedios wrote:

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@Anonymous wrote:

---

@Remedios wrote:

---

@Anonymous wrote:

---

@Remedios wrote:

---

@Anonymous wrote:

---

@Remedios wrote:

So, what's your TCL now and how many cards? 

---

I still have two cards that are not reporting yet, Aspiration ZERO with a $20,000 CL and Truist (new purple card) $12,000

Total cards once the Truist card arrives will be 80. Total CL is 1.35M and 1.38M EQ AND EX. At TU I would have to go off of CK and I know that is not reliable since is a fake score or Vantage score. Only FICO scores are reliable. I have a closed dispute at HSBC but it is not reporting yet as solved, so one agency is not including my CL in my figures. It is blank. Only shows as excellent payer. 

I also have 27 Debit cards, one per each checking or savings account that I have. Citi for example. I have a debit card for the checking, and a seperate for the savings. It is the same at most of the banks, Capital One and a bunch others even WF a seperate card for each account.

Thanks

Mark

---

Thanks, Mark.

So, you have $976,000 in credit lines spread on 21 cards, and remaining $324,000.00 is spread across 60 cards? 

---

It is not including the 2 that are not posted. $1,385,000 

1 Card $330K, 2 @$75K = $150K, 8 @ $45K to $55K = $380K, then 68 cards with a total of about $525K

Thank god for steno books 

I have a few from $12K to $25K but most are $5K to $12K

Thanks

Mark

---

Your $110,000.00 card you talked about a month ago or so is now $150,000.00?

That's a significant increase, or is that a whole other card which wasn't referenced before? 

Steno books, been a while lol. 

I was born with eidetic memory, it did wonders for me while in school, but now it can be a nuisance because I cannot remember where my car keys are, however I can remember number of sheep in Australia 15 years ago because I read it and image is seared in my head, hence all my questions. 

---

I never had a single $110K card and the $150K upthread is for TWO $75K cards, not one card.

The only thing that makes me wonder is what Finstar and SoCalGardner said about the interest rate on those two high limit cards. I do remember way back when the rates went that high, it was with MBNA /FIA before BofA took over the accounts so it is not BofA that imposed those rates.

I am just glad that I don't live in California, I heard that it may fall off and Nevada will be the new west coastine. This came from a very reliable source. Chicken Little told me and said a piece of it landed on her tail. Or I am confusing this with my high interest rate CC LOL

Thanks

Mark

---

Weird because here  you did.

It's cool, I am just glad my memory didn't fail me for the first time. Never know when I might need it. 

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Well, do you blame the guy? With that many credit cards, I would get stuff mixed up all the time. 

[FinStar]

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@Crowhelm wrote:

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@Remedios wrote:

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@Anonymous wrote:

---

@Remedios wrote:

---

@Anonymous wrote:

---

@Remedios wrote:

---

@Anonymous wrote:

---

@Remedios wrote:

So, what's your TCL now and how many cards? 

---

I still have two cards that are not reporting yet, Aspiration ZERO with a $20,000 CL and Truist (new purple card) $12,000

Total cards once the Truist card arrives will be 80. Total CL is 1.35M and 1.38M EQ AND EX. At TU I would have to go off of CK and I know that is not reliable since is a fake score or Vantage score. Only FICO scores are reliable. I have a closed dispute at HSBC but it is not reporting yet as solved, so one agency is not including my CL in my figures. It is blank. Only shows as excellent payer. 

I also have 27 Debit cards, one per each checking or savings account that I have. Citi for example. I have a debit card for the checking, and a seperate for the savings. It is the same at most of the banks, Capital One and a bunch others even WF a seperate card for each account.

Thanks

Mark

---

Thanks, Mark.

So, you have $976,000 in credit lines spread on 21 cards, and remaining $324,000.00 is spread across 60 cards? 

---

It is not including the 2 that are not posted. $1,385,000 

1 Card $330K, 2 @$75K = $150K, 8 @ $45K to $55K = $380K, then 68 cards with a total of about $525K

Thank god for steno books 

I have a few from $12K to $25K but most are $5K to $12K

Thanks

Mark

---

Your $110,000.00 card you talked about a month ago or so is now $150,000.00?

That's a significant increase, or is that a whole other card which wasn't referenced before? 

Steno books, been a while lol. 

I was born with eidetic memory, it did wonders for me while in school, but now it can be a nuisance because I cannot remember where my car keys are, however I can remember number of sheep in Australia 15 years ago because I read it and image is seared in my head, hence all my questions. 

---

I never had a single $110K card and the $150K upthread is for TWO $75K cards, not one card.

The only thing that makes me wonder is what Finstar and SoCalGardner said about the interest rate on those two high limit cards. I do remember way back when the rates went that high, it was with MBNA /FIA before BofA took over the accounts so it is not BofA that imposed those rates.

I am just glad that I don't live in California, I heard that it may fall off and Nevada will be the new west coastine. This came from a very reliable source. Chicken Little told me and said a piece of it landed on her tail. Or I am confusing this with my high interest rate CC LOL

Thanks

Mark

---

Weird because here  you did.

It's cool, I am just glad my memory didn't fail me for the first time. Never know when I might need it. 

---

Well, do you blame the guy? With that many credit cards, I would get stuff mixed up all the time. 

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I have way more than 'the guy' and if such an impressive record keeping is done to rotate things daily (based on what they've already mentioned) it's hardly a miss. I mean, I created a database for mine to track things, but I'm still fairly aware what's there 🤷‍♂️