"Upgraded After A Year Of Heavy Use"
Bank of America® Student Platinum Plus® Visa® Review
Written by: hjm331 on 2008-06-10
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
hjm331's review: 
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.
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.
9 Comments
Comment 1 by rwmtd
Congrats To On Your Upgrade 
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!!
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 on 2008-06-10
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.
on 2008-06-10 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! on 2008-06-10
Enjoy your upgraded card... And its about time you got a CLI! LOL. Its okay I've been stuck for a while too! ;)
on 2008-06-10 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 on 2008-06-10
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
on 2008-06-10 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 on 2008-06-10
They gave you a 20% of your CL when CLI amount is left empty
on 2008-06-10 They gave you a 20% of your CL when CLI amount is left empty
Comment 6 by eric
Congrats!!!!!!! on 2008-06-11
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.
Eric
on 2008-06-11 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.Eric
Comment 7 by hjm331
RE: Eric on 2008-06-11
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.
on 2008-06-11 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 on 2008-06-15
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.
Eric
on 2008-06-15 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.
Eric
Comment 9 by william59
Credit Card Upgrade on 2008-09-07
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.
on 2008-09-07 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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Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
