BOFA 98/500 CLI request ***Update***

[Believe1970]

Just received my 5th statement and saw the cli link when I logged in to my account. Figured I'd ask for $8000 and see what happens. Got the dreaded we need more time to make a decision. I'm guessing it will be denied. Oh well, currently at 693 EX, 690 TU and 676 EQ 39% UTL but should be st 17/18 UTL after accts update. I'll be gardening till EX hits 720 so I can apply for Amex BCE.

***update***

I've been logging in everyday online since 05/06 figuring I would get a message saying my CLI request was denied. I logged in today and to my surprise they did increase my limit from $500 to $1500. I'll take it and continue to treat the card good. Not sure if the account is still secured or not though. 

[IaBoy62]

That is the point I asked to be unsecured and got cli to $1000. They were very nice about it. 

[Anonymous]

You'll have to let us know what happens with this. I was always under the impression that if your card is still secured, and you request a CLI, they will require an additional deposit from you. For the 99/500 card, they will allow you to add another $100 (or $99 ??) for an additional $500 increase, and they only allow one additional deposit at a time (I think this requires a HP, but not sure).

[Believe1970]

@JustMe3 - I will
@laBoy62 - that's what I keep seeing in posts

[GettingBetter2015]

When the request CLI button appeared on mine, I called in and asked to be unsecured. They unsecured mine and gave me a new limit of $1500. I got my card in August 2015 and unsecured in January 2016.

A second data point, I was approved for AMEX BCE in March with an EX score of 665. I totally understand if you're holding out to get a better credit limit, they gave me $1000 and I took it and ran!

[Believe1970]

Forgot to mention it was a HP from TU and no request for an additional deposit. 

[Anonymous]

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@GettingBetter2015 wrote:
When the request CLI button appeared on mine, I called in and asked to be unsecured. They unsecured mine and gave me a new limit of $1500. I got my card in August 2015 and unsecured in January 2016.

A second data point, I was approved for AMEX BCE in March with an EX score of 665. I totally understand if you're holding out to get a better credit limit, they gave me $1000 and I took it and ran!

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U have a score of  665. OP have a score of 686 not sure what income is. I got my 2 Amex 7 weeks ago with a score of EX 698 got 18000 for BCE and 12000 for BCP but my income is at 240k for 2015 but I only listed it as 180k which is my base pay

[Anonymous]

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@Believe1970 wrote:

***update***

I've been logging in everyday online since 05/06 figuring I would get a message saying my CLI request was denied. I logged in today and to my surprise they did increase my limit from $500 to $1500. I'll take it and continue to treat the card good. Not sure if the account is still secured or not though. 

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Whaaaat? Nice - congratulations!! Was it a HP? Did they require additional funds from you? You'll have to update this thread again when you find out if it unsecured too or not. 

[Believe1970]

TU hard pull and no additional funds requested

[Believe1970]

So, I was just on with BOFA chat. I asked if my card was still secured and was told it did upgrade to unsecured!!!!