testing the waters with BOA

[swpopham]

so i have had this BOA Total Merrill Cash Back Card for 2 full statements with a 10k limit, I ran 5400 in the first statement and then 3200 this statement, PIF both times right after the statement cut. I decided to hit the Love button and ask for 20k. When I signed up for the card they said it would be soft pull increases because of it being a merrill card. so we shall see. It asked for amount requested. then employement, household status, then income and said it would be reviewed. I dont have a feeling if its going to go either way or not. The only thing that changed on my profile is i ran 35k on the amex last month. So they can see a high balance

[09Lexie]

Fingers crossed!

[KIPPIE12]

Sounds like a HP to me, but hopefully not. GL!

[djc1puno]

Gl!

[HiLine]

Good luck! 

[swpopham]

wanted to update:

the first lady I spoke to was wrong about a soft pull because that reqest was denied due to reports frozen. but the increase i just did was a HP on equifax and was painless and easy after about 3 minutes it was done. I think ive had 4 or 5 full statements

[FinStar]

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@swpopham wrote:

wanted to update:

the first lady I spoke to was wrong about a soft pull because that reqest was denied due to reports frozen. but the increase i just did was a HP on equifax and was painless and easy after about 3 minutes it was done. I think ive had 4 or 5 full statements

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Were they able to approve the full $20K?  If so, hopefully the HP was well-worth it.  BOA can be quirky with their SP/HP CLI reviews.

[swpopham]

On this call I asked for 40k and she took it to 30k she said if I closed the chase cards and they report closed 0 balance she would up it again (remember new thread) so far couldn't be happier with the ml card

[youngandcreditwrthy]

Congrats! I told Boa my "rewards" cards were frustrating and that too is how I got a substantial cli on my recently acquired $10k Bankermicard!

[FinStar]

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@swpopham wrote:
On this call I asked for 40k and she took it to 30k she said if I closed the chase cards and they report closed 0 balance she would up it again (remember new thread) so far couldn't be happier with the ml card

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Nicely done!  I would say that if the other outstanding issue does not get resolved, then at least you have the opportunity to grow the M+ to $40K.  There's a couple folks who've recently obtained the M+ with very satisfactory feedback.  There's a few of us who are considering obtaining this one in the next 6-12 months.  I currently have their Privileges Cash Rewards and it will be a nice addition to the BOA Platinum Privileges profile.