Called BOA tonight to ask for a CLI on my platinum plus visa $1500 CL, had it for 7 months, perfect payment history. Just called the # on the back of the card, spoke with a very nice csr, gave her all my info HHI, rent, etc., she said they needed to transfer me to a credit analyst. She gave me the #866-866-7002 in case I got disconnected.
The next lady who answered, you could just tell by her tone of voice that this wasn't going to be a good call. She asked me the same questions HHI, rent, etc., then said she had to look at some things. I'm on hold for a couple of minutes, she comes back and asks some questions, I have a paid charge off from 5 years ago and 1 30 day late on a car payment from 4 years ago. After being put back on hold, she stated that she could only offer me a $500 CLI because the 30 day late was from Feb. of 2007. I dispute this, tell her no, the late is from July of 2004, she is adamant, the late was from 2007, check your experian report she tells me. I said ok, I just happen to have one from July, let me bring it up so we can compare. She said she wasn't going to argue with me, I was reading my report wrong, and that was all she could offer, call back after 6 more months of good payment history and maybe we could do something for you she tells me.
Well I hung up, very frustrated, and for a second I was going to give up, but then, I knew I was right, so I called the 866-866-7002 back. Told the guy who answered what had just happened, that I was confused and wanted to make sure they were seeing the same information that I was. He confirmed that the previous csr was wrong about when the late occurred and that the $500 CLI that she had given me was ridiculous based on my paymnet history with the card and the fact that I didn't have any negative info on my cr for the past 4 years. Pretty sad that people who deal with credit can't read a credit report correctly!!!!!!
He asked me what I wanted, I said make my CL $4000, and I'll be happy, he laughed and said no problem. I guess I could have asked for more, but I didn't want to be greedy.
So, all in all, I went from $1500 to $4000. Took more time then I would have liked, but I'm happy!!
Just goes to show with BOA persistance pays off!!
