BoA 123 success--app and instant cli

honky · ‎03-03-2013

I had my wife apply for the 123 for the gas rewards(I didnt want to take another hard pull) and she was instantly approved $3500. Thats pretty impressive considering the only card she ever owned was a $600 Sears card that has been closed for more than 5 years--but she is AU on all of mine.

I figured she might as well call and ask for a higher limit--couldnt hurt, right? She was very nervous on the phone and didnt really know what to say even though I tried to prep her before the call. She asked to match the Citi card ($8500) and they immediately said, yes. I couldnt believe they didnt put her on hold or pause at all before agreeing to 140% cli! I bet sahe could have broken into 5 digits. Im very proud of her--and she definitely has a big sense of "I fixed my credit too."

Her score is 660 according to her approval letter and about the same on myfico. She told them she is a fll time student, but they used my self employed income 165k

Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)

londonhogfan · ‎03-03-2013

nice CLI!

Im trying to do the same. What number did you call?

I'll be in the garden... FICO Score | TU-08: 732 in May 2013

honky · ‎03-03-2013

We used the first number in the backdoor thread.

BofA: 866-421-8153 (Credit analyst - existing cardholders)

Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)

Epcot · ‎03-03-2013

Nice going, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

Henchman21 · ‎03-03-2013

Wow! So it does seem to make a big difference being an AU...

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!

webhopper · ‎03-03-2013

That's a nice approval congrats!!!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

londonhogfan · ‎03-04-2013

@honky wrote:
We used the first number in the backdoor thread.

BofA: 866-421-8153 (Credit analyst - existing cardholders)

Thanks! I called this morning and they were able to double the card I received on Saturday to $5,000 and convert it to a signature visa.

I'll be in the garden... FICO Score | TU-08: 732 in May 2013