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Established Contributor
FutureBillionaire
Posts: 641
Registered: ‎12-12-2012
0

Bank of America CLI approved, but...

I received an increase with a hard pull from 5k to 10k.  The problem is that this does nothing for my utilization because this particular signature card doesnt' report a limit.  I may have them move that credit to my American Express card that has an 11k limit.  I pretty much wasted an inquiry.  I thought I cancelled it before it went through.  Oh well.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Moderator
Revelate
Posts: 8,896
Registered: ‎12-30-2011
0

Re: Bank of America CLI approved, but...

That isn't a bad plan; depending how utilized your TU report is it's probably inconsequential... it's certainly better than me who after I did my silly little app spree, simply saw that nothing landed on TU at all so put in for a BOFA CLI which will likely be a non-starter anyway with how recently they graduated the card.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
navigatethis12
Posts: 1,918
Registered: ‎01-24-2012
0

Re: Bank of America CLI approved, but...


FutureBillionaire wrote:

I received an increase with a hard pull from 5k to 10k.  The problem is that this does nothing for my utilization because this particular signature card doesnt' report a limit.  I may have them move that credit to my American Express card that has an 11k limit.  I pretty much wasted an inquiry.  I thought I cancelled it before it went through.  Oh well.


You would have done better asking for that increase on the American Express card. When they move credit from other cards, they require another credit pull. The representative told me it is basically a credit limit increase, so that is why they do it.

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Bank of America CLI approved, but...

Congrats on your approval

Established Contributor
FutureBillionaire
Posts: 641
Registered: ‎12-12-2012
0

Re: Bank of America CLI approved, but...

Tactical error.  Oh well.  No harm, no foul.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012
0

Re: Bank of America CLI approved, but...

I have heard you can request that they provide you credit limit to the cra's, but I haven't gotten around to see if this is true on my bofa siggy.  Also if utilization is that important you can always request a down grade to non siggy version. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Frequent Contributor
pdog661
Posts: 377
Registered: ‎03-31-2012
0

Re: Bank of America CLI approved, but...


toppers555 wrote:

I have heard you can request that they provide you credit limit to the cra's, but I haven't gotten around to see if this is true on my bofa siggy.  Also if utilization is that important you can always request a down grade to non siggy version. 


They will really work with you.

 

My siggy reported for months, and then bam.  CL gone. 

 

I called and asked for a card that would report. They offered me their mastercard option, but I stated I wanted my card to remain on the visa network.  They put in a request, and changed me to a none siggy rewards card that remains a visa.

 

They will work with you if you want to keep a card that reports. 

Established Contributor
FutureBillionaire
Posts: 641
Registered: ‎12-12-2012
0

Re: Bank of America CLI approved, but...

I didn't know they had a mastercard option...

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Frequent Contributor
pdog661
Posts: 377
Registered: ‎03-31-2012
0

Re: Bank of America CLI approved, but...

I will let you know how it turns out.

 

They had to put in a request for investigation asking for a change of service to a visa.  It took 4 days for them to approve the request.

 

I still do not have the new card so who knows what might show up in the mail.  :-)


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