"Upgraded After A Year Of Heavy Use"

Bank of America® Student Platinum Plus® Visa® Review
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Written by: hjm331 on 2008-06-10

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hjm331's review: Callout Comment I've had this card for a year and I used it heavily even though this card doesn't have a rewards program. I've never had any late payments and started out with a $750 CL and received a $250 CLI (at my request) and stayed with the $1,000 for another 6 months.

Today, I checked my account as I always do in the morning to make sure everything is alright and I see that my Student PP Visa has been upgraded to a regular PP Visa. Now, this card doesn't have rewards but I am going to try to upgrade to a Worldpoints Visa.

When I saw that they upgraded my card to a PP Visa, I immediately jumped and grabbed the opportunity to ask for a CLI. I left the CLI amount empty and they granted me a $200 CLI. It's not much but definitely something.

Here's what I have learned when it comes to asking for a CLI. If you are asking for a CLI and they ask you for the amount of CLI, leave it empty. Just enter the household income and the rest of the info. I'm very glad I got bumped up to the PP Visa because the Student PP Visa came with very little options. They said that limits on the Student PP Visa don't exceed $1k and they can't upgrade it to any other cards. Now, I will try to upgrade it to a WorldPoints Visa or to the Americard.

One more thing, I know that a lot of people have been receiving a letter for denial when they ask for a CLI saying that their limit is sufficient compared to their income. Well, I used to receive that letter also but it's not true. If you build a good and long reputation with BofA, they will give you what you want. It's just a matter of time and on-time payments.


Comment 1 by rwmtd
Congrats To On Your Upgrade User Icon on 2008-06-10


Wow, congrats on the upgrade HJM331, that is the best news yet. You shouldn't have any problems getting another upgrade with your great credit.

Go for it!!
Comment 2 by hjm331
RE: Rwmtd User Icon on 2008-06-10

Remarks Thanks! I wouldn't say my credit is great because I'm just like everyone else. It's work in progress and I'm just sharing what I have learned with you guys so everyone can get their credit up where it needs to be because we all know how important credit is in today's world.
Comment 3 by rivasglo
Congrats! User Icon on 2008-06-10

Remarks Enjoy your upgraded card... And its about time you got a CLI! LOL. Its okay I've been stuck for a while too! ;)
Comment 4 by hjm331
RE: RivasGlo User Icon on 2008-06-10

Remarks Yeah, it feels to receive a CLI from these guys even though it's a really small one. It feels like I received a CLI on my Orchard Bank card. Lol
Comment 5 by gk8491
Congratulation User Icon on 2008-06-10

Remarks They gave you a 20% of your CL when CLI amount is left empty
Comment 6 by eric
Congrats!!!!!!! User Icon on 2008-06-11

Remarks Congrats on your upgrade... Give us a call at customer service and request for Worldpoints to be added to your account, we can put in a product change for you and get you into a worldpoints Visa... You will receive a new card with a new number btw.

Comment 7 by hjm331
RE: Eric User Icon on 2008-06-11

Remarks Is there a good number to call? I called regular CS 2 weeks ago and said that I would be upgraded to a WP Visa and that I would receive a card with the same account number. Still haven't received anything so apparently the rep lied to me because she didn't know what she was doing. That really angered me.
Comment 8 by eric
CS User Icon on 2008-06-15

Remarks First of all HJM your account number will change... Also it takes 3-4 weeks to receive your new card.

If she put it in after it was upgraded it should go through but if it was before then it may get rejected.

Comment 9 by william59
Credit Card Upgrade User Icon on 2008-09-07

Remarks I started from student credit card, to world points Visa, and finally got the Bank Americard. Spending around 2 years to build my credit history, I've got CLI from $1k to $10k today without using the card very often because I got three 5% cashback card, and I only used it for backup (after my 2% rebate card) and raise credit score.
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