RobertHanson

I've gone this route twice now, though not recently. Both times I was still sent a Plat card. I guess they were hoping I'd use it while waiting for the Sig to be issued, but I just cut it up and waited. They say 6 weeks, but that's just how long the paperwork takes. Then you have to wait another 2 weeks for the new card to be sent out. You should get some sort of communication from Customer Service in the next few days that they have approved the petition. If not, I'd call again and make sure it did in fact get done and then was approved. After that, all you have to do is wait, and wait, and wait.....

LivelyFL

How many inquiries do you have?

sdsearch

Since you used a link that requires minimum spend, you could presumably start on that spend with the Plat card if you wish. That certainly worked in the 25k + $100 credit days. I'm certain it work for the $1000 spend for the $100 credit, what I'm not certain of is whether the minimum spend for the Signature miles can be done while you only have the Platinum. That might something only BofA can answer?

You will not have a lot of time for the spend if you wait to get the Sig card before you start the spend, unless they restart the clock at that point, which I haven't heard, but then we haven't had minimum spend for the miles before now so I wouldn't expect to have heard yet.

Also, you cannot get upgraded to Sig without your agreement to a lot of T&Cs about that upgrade (including the increase of annual fee from $50 to $75). If you haven't sat through the agent reading those off and then you saying you agree at the end, I doubt you were upgraded to Sig yet. So don't sit back and wait for it, call BofA.

bobby21

I was approved for the plat with CL of $2000, then spoke to the agent to upgrade to Signature with higher CL of $5000. They did another HP (same day) and I was read the T&C. The agent also said I will not get the higher bonus since its an upgrade. Do I have any chance? What's my best bet? To wait for the Signature card, do the spend and then keep calling?

Welder

Applied with direct link for 30k+100, was approved only with 2k limit. This is my first BOFA card ever. Called recon about increasing CL and I was told that initially pulled from EX, and I could apply for a CL increase, independently, and they'd do another pull from TU. I said no thanks, especially in light of the previous post, that the CL increase wouldn't result in the higher sign-up bonus.

ETA: never mind, false alarm!
I called BOFA again and they confirmed I had the sign up offer.

osugrad2x

14 Inquiries but last opening was over 30 days ago. Maybe i do need to take a step back for awhile.

Peter_Ng

Called back and another agent confirmed the upgrade was there and i somehow already agreed to all the disclosures, just have to wait for my new Visa Signature card in 4-6 weeks. She also stressed that only the spend that I do after activating the upgraded card would count for bonus. Not sure if she is right but that s what i will do.

RobertHanson

That CSR is confused. There are two things they can do, one of which is to raise your CL to at least $5K, but you will still only get a Plat, just one with a larger CL. The other is to initiate a new app for a Sig card, done from their side, which is a different app from the one you did. They then, as discussed above, have to read you T/Cs for the new app, petition Customer Service for the new app, let you know that has been approved, mail you a letter asking if you are sure you are willing to pay the $75 AF, instead of the $50 AF you previously agreed to pay, wait 6 weeks to make sure you aren't going to change your mind then take another 2 weeks to send you the Sig card.

Time to HUCA and find out what the first CSR did. Either you are going to get a Sig card with full bonus, or you aren't. They can't have it both ways.

sdsearch

I think after all that, after another two weeks they will send a Sig card, not yet another Plat card . It wouldn't be worth it if it just got you another Plat card.

In other words, typo alert...

in4tar

As of today has anyone (who applied and was approved for a 25,000 miles just days before the newest offer) been successful in receiving a match to 30,000?

osugrad2x

Update: Called recon twice and spoke to supervisor and was told i had too many inquiries in past 12 months and they would not move credit from another card or close one. They didnt care about number of accounts or length open just the inquiries. Also he mentioned Experian report, maybe i should lock that one since all my inquiries are on that. He even commented on how great my credit history was but they were not allowed to open another account based on too many inquiries.

Any word of a possible 12/12 happening due to Chase 5/24

Has anyone been approved with more than 12 inquiries over the past year?

RobertHanson

Typo edited....

ucdtim17

Approved for $3,900 CL, called and got the option to upgrade with another credit inquiry. Wasn't expecting an under $5k approval. I had reduced CL on my existing Alaska card to $5k; I have another old cash rewards card - should I ask for credit to be moved from that? Or should I try the second application today? Or just give up

Edit - just checked, I only have a $1100 limit on that cash rewards card. So only $6100 of total credit limit from BofA, 800 credit score and they won't approve for over $5k. I feel like applying again might just result in another pull and <$5k card, which I don't want. Any ideas?

Edit 2 - I had a $17k CL reduced to $5k and now they only approve for $3900? Does that make sense?

RobertHanson

Was the first app today? If so, getting another HP today doesn't matter, as they will combine and only show one app having been done. If you do it the day after the first app, then it will show up as two.

Easiest option is probably to reapply right away, hope it goes to pending, or temporary denial, based on the first app. Then call Recon and they will probably approve the second app for a Sig, and you can cancel the just approved Plat.

There is also a process to have B/A replace the first app with a Sig, but it takes 2 months to complete is a total PITA.

Having gotten a mere Plat means absolutely nothing about your credit rating, or even what B/A thinks of your credit rating. Twice in the past I was instantly approved for a Plat, reapplied right away, and Recon had no problem at all approving the second app for a Sig with a significant CL. B/A is just weird that way.

If the first CSR you get doesn't seem to want to work with you, just politely say goodbye, hang up and wait a minute or so for that CSR to move on to the next client, then call back and get someone more responsive. Don't even begin to think it's a lost cause until you've been turned down 4 times, which I sincerely doubt will happen.

sdsearch

That wouldn't be due to a Chase 5/24, that would be like Citi for the past decade or longer!

In other words, Citi has long had a limit of about 6 inquiries in the past 6 months. Some people are allowed 7, maybe 8, but other people only 6.

If you do the math, 6 in 6 months is the same "rate" as 12 in 12 months, so I don't see why it would be considered something radically new and only possible to be inspired by Chase's 5/24.

Lots of banks have limits on inquiries, it's just that the actual limits are not as well documented at other banks as at Citi, perhaps because Citi only goes back 6 months and because in the past Citi had several cards you could churn even more quickly than BofA AS can be churned now, and that alone could get you to about 6 inquiries in 6 months if you did those at that max rate (8/65).

Because I've been applying for Citi cards forever, I've tried to stay within 6 in 6 forever, and thus I'm naturally under 12 in 12 too. (That still doesn't get me anywhere near 5/24, unfortunately.)