I called BofA retention just now to see about a line increase. They told me the account was too new (opened last July) and that I had to wait nine months. BUT, they offered me a BT @ the prime rate until paid in full. Not the zero percent I wanted, but pretty good anyway. I haven't decided if I want to use it.
I got the same offer in the mail--prime until paid off. It sounded good, but if the prime rate goes up, so does the interest rate. Citibank and FirstUSA both give good rates but they are fixed. I have one at 6.9% and one at 3.9%, just got an offer from FirstUSA for 5.9%. I think for now I'll stay with them.
In this economy what do you think the chances of seeing the prime rate go up really are? All-in-all it's a pretty good deal. Right now my only other offers are: 0% for six months on Household 3.9% until April 2004 on Advanta 4.9% until paid on Citibank 6.9% until April 2004 on another Citibank card My Household card with the 0% offer only has a CL of $3,000 but it was my first 0% offer ever.
That´s right!. BofA gives the first limit increase at the 9 months mark. I think that there are not exceptions to the rule. The prime rate for bal transfer is usual. I have the same promo for my two BofA cards
I received a credit limit increase after 6 months. At the time, I had a gold card and my credit limit was like $4,000. The website stated that the minimum credit limit was $5,000. I insisted on having my credit limit at least match the minimum they advertised. They finally bumped it to like $5,500, but it cost me a hard.
At the 9th month they does not pull an inquire (soft only), they ask for your income and how much you would like your limit raised.
TAKE IT...(that is what I have) 4.25% (maybe lower VERY SOON) till PAID...is better than 0.00% for 6 months with a MUCH HIGHER "GO-TO"
F.Y.I. PRIME RATE (4.25%) WILL NOT BE GOING UP ANY TIME SOON...IN FACT IN TODAYS PAPER...IT SAYS IT WILL PROBABLY DROP EVEN FURTHER VERY SOON!!!
Re: Re: BofA Retention 4.25% Even if you don't want to "MAX" IT OUT (less $100.00)...if you do...you will get a limit increase..."I could BT $2,000 more if I got a NO INQUIRY limit increase"
Re: Re: BofA Retention Nah... didn't work... "your last increase was 4 months ago".... nad "illl issue you a 3k provisional credit for the $3,000 charge you made at home depot you are disputing"... but no increase :-( should I try a different rep?
Re: Re: BofA Retention Just sent a nice letter to robin, saying how teriffice the rep i had was (well... he WAS tereffic... even without the CLI...) maybe she will like the letter soooo mcuh she'll give me an increase anyway. (She can finger my account with my name but no SS#.......... right??)
Re: Re: Re: BofA Retention NAME (first last) Last 4 of account # City state Should be enough if your worried about sending too much info by E-MAIL. SOME OF OUR CREDIT CARD CROSS REFERENCE BY OUR E-MAIL ADDRESS...so we don't even have to give more than NAME and E-MAIL ADDRESS...
Re: Re: Re: BofA Retention NO.. i'M NOT WORRIED ABOUT INFO..... I just wasn't "requesting" an increase... just hoping if she is in a good mood shell give a CLI to the person who signed the letter.... (me!) I have a unique name.... Only one is USA (world?) with my name... So BofA may be able to find me by name only...... Hmm?
Re: Re: Re: Re: BofA Retention with your luck, she'll A) LOWER YOUR LIMIT B) CANCEL YOUR CARD C) RAISE YOUR RATE D) ALL OF THE ABOVE OR.... maybe she will give ya a $75,000 CL, with 4.25 FIXED for life of account
