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tinaliz

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    Los Angeles, CA
  1. and it's picked up by Citibank. I wonder what happens to my BBRZ mastercard now... http://www.forbes.com/sites/greatspeculations/2013/02/21/citi-cards-is-back-and-snaps-up-capital-ones-best-buy-card-portfolio/
  2. Yep. Seven hards this month -- the double C* actually got rid of a bunch of softs that I would have had to B*
  3. Yes, exactly!! I spoke with a credit analyst yesterday and they agreed to restore everything. Awesome work OP OPs account and CL were apparently restored It is good to know that at least in some instances BOA has the presence of business sense to mend the error of their ways.
  4. Mazel Tov!!! Refunding your points is what the bank should have done in the begining. Perfectly ok for a bank to make a business decision to close an account even if it's a stupid decision. It's not ok for them to unilaterally close an account and void the rewards if you have done nothing wrong. And, yeah, you should garden a few months and ask them to reopen prior to the 90 days, possibly for a lower credit limit in line with your historical card usage. It's high lines that aren't being used that trigger this sort of foolishness. It's because they look at the CL as a risk, even if low, to be balanced by the revenue you generate using it. My gf had her CL clipped from 30k to 5k a few years back because of low usage and she has a FICO of around 820. She didn't think twice about it because she really didn't use it much anyway. If they had just closed it she would probably write them off for any future biz consideration. Don't know if I was clear on this -- they reopened and restored the acct to its original status today...
  5. Just an update -- I called BOA today to request that my account be reopened. After some deft b* and account gardening, they agreed to reopen it and are restoring it with my former account history Thanks so much to everyone who advised me on this!
  6. I hear you on that. If they let me reopen the card, I will for AAOA, but it won't see its previous usage again... Thanks to everyone who gave me such great advice on this! I will update when I request that they reopen the card.
  7. An update -- complaining to the BBB and CFPB got their attention. I received a call from the CEO's office, Card Services. BOA is sending me a check for the cash value of my rewards points. Additionally, I was told that if my reports "look better" (that is, the accounts with 0 balances update and I don't app for more credit) in a couple of months, I should request that my account be reopened (the deadline is 90 days). Not certain that I want to do business with them again, but at least my AAOA would be restored.
  8. Future business opportunities are forfeited when a customer is screwed. Too bad for BOA. That's exactly what I told them on the phone this morning. The fact is that I was a loyal and satisfied customer, but I will not do business with them again.
  9. Quick update -- I called in to BOA again today, and was told by a supervisor that "reward points are forfeited when an account is closed." Filed complaints with both the CFPB and BBB today.
  10. Absolutely nonsense then... like someone else said, you got chopped by some bean-counter who was drawing lines in the sand. You'd think the bank wouldn't give a rat's flowers how many new accounts you have, if you were able to keep your utilization down to 8% across all accounts. But then again Barclays is known to close newer accounts if you get too many new cards AFTER theirs too, so be careful there. Might wanna put new apps. on ice for awhile so you don't get chopped there too. Sounds like you've had a good run anyway, so lay low for a bit and spend your energy fighting BofA on those points. Sheesh... these banks! Thanks. I've definitely put the apps on hold for 2012. Time for some gardening.
  11. The card only had a 2K limit. I used it for household expenses and paid it off monthly -- in fact, I had just paid it when they closed the card. My overall utilization was around 8%. I have picked up a lot of good cards this year -- two NFCU, Barclay's, Chase and Discover. I filed BK in 2007, and had used the original BOA secured to rebuild.
  12. So, I went to use my BOA Amex on Friday, and it was declined. When I called Bank of America to find out what the problem was, I learned that my account had been closed because a "credit review" showed that I had opened too many new cards in 2011 and had sufficient available credit. I opened this card in 2009 as a secured card, graduated to unsecured and then switched to the Amex. I've never been late with a payment, and always pay it in full. Today, I sent an email to customer service to redeem my rewards points and they replied that I had forfeited them because my account was closed. Such nerve! Any idea how to get my rewards points back?
  13. So, I went to use my BOA Amex on Friday, and it was declined. When I called Bank of America to find out what the problem was, I learned that my account had been closed because a "credit review" showed that I had opened too many new cards in 2011 and had sufficient available credit. I opened this card in 2009 as a secured card, graduated to unsecured and then switched to the Amex. I've never been late with a payment, and always pay it in full. Today, I sent an email to customer service to redeem my rewards points and they replied that I had forfeited them because my account was closed. Such nerve! Any idea how to get my rewards points back?
  14. Interesting. Does HSBC still offer the BBRZ Platinum?

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