Reply
Established Contributor
YahComb
Posts: 595
Registered: ‎03-10-2012
0

Re: BofA cli!

i was surprised when BOA instant-approved my 3K to 6K cli in october; made me wonder if i couldn't have gone for 7 or 7.5K.

 

The day after that i try with discover, i can't get an instant decision for even 1K extra(and it was my lowest card at 1K at the time)

EQ-736(08/14) TU-758(06/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yr AAOA: 25.8 mo
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BofA cli!

UPDATE: i havent received any alerts so im sure this was a SP cli :smileyhappy:
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor
CreditChampion
Posts: 261
Registered: ‎03-15-2012
0

Re: BofA cli!

So tempted to try if its only a soft


Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
AMEX Zync NPSL(AU) Citi Forward $5500 Discover it $2000 Wells Fargo Cash Back $1300 BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $3300
Capital One Secured Card (AU) $251 Capital One Platinum (AU) $500
Regular Contributor
stone
Posts: 237
Registered: ‎11-15-2011
0

Re: BofA cli!

are you sure it is soft?

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BofA cli!

I havent received any alerts so im guessing..i also checked my reports and theres no signs of a hp
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Member
kimcakee
Posts: 63
Registered: ‎12-14-2011
0

Re: BofA cli!

Congrats!!! :smileyhappy:

 

Did u ask for increase online or on the phone?

 

Ive had my BofA since 2010 with $600 limit, it was a student card and last year it was upgraded to the BankAmericard Cash rewards no CLI.

 

Im wondering to ask for an increase today, but dont know if i will get approved.

 

Our mortgage  is now showing on my report with $101,600 amount. Will that be a problem?

 

Also got an increase from barclay another $700 from 2500 to 3200 limit.

 

but util is pretty high on my barclay about $1700 right now. but will pay it down this friday.

 

any ideas?

 

as of June 12, 2012
EQ FICO 689, TU FICO 701, EX FICO 713 --NO BADDIES
BoA platinum Visa (600CL), Cap1 No hassle cash reward MC (750CL)
Barclay Carnival MC (2500CL), AU on Direct rewards HSBC (500CL)
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BofA cli!

I asked online. That card is only being used by my brother cuz he is a AU on that card. The card had a 133 balance when i asked.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Member
kimcakee
Posts: 63
Registered: ‎12-14-2011
0

Re: BofA cli!

oh wow. so it was a soft pull?

 

my limit is only $600 with no balance. So im thinking to request for an increase. Just dont know if i have a chance of getting approve

as of June 12, 2012
EQ FICO 689, TU FICO 701, EX FICO 713 --NO BADDIES
BoA platinum Visa (600CL), Cap1 No hassle cash reward MC (750CL)
Barclay Carnival MC (2500CL), AU on Direct rewards HSBC (500CL)
Established Member
kimcakee
Posts: 63
Registered: ‎12-14-2011
0

Re: BofA cli!

I saw that u also have a BofA cash rewards, thats the same one i have. Did you ever get an increase on that card?

as of June 12, 2012
EQ FICO 689, TU FICO 701, EX FICO 713 --NO BADDIES
BoA platinum Visa (600CL), Cap1 No hassle cash reward MC (750CL)
Barclay Carnival MC (2500CL), AU on Direct rewards HSBC (500CL)
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BofA cli!

Maybe wait for you barclaycard to report your new cl. If i was you i would just ask but thats me
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+