BoA Cash Rewards CLI

[armbenderc]

DW has a BoA Cash Rewards, CL is 500. She has good credit and never really get into a lot of credit card.

My question is, in May, it will be 6 months and 6 statement. Should she wait for auto CLI or hit that luv button?

She used the card heavily (Basically replaced her debit that she has with BoA) and PIF multiple times in per month.

This month, she already PIF, I told her to not use it and keep the balance "0" and hoping for a CLI. She's tired of paying 2-3 times a month instead of 1 time PIF like her other card.

Overall UTIL for DW is 25% (because she paid after statement cut, not before LOL)

670 Walmart TU08 FICO for her.

[LS2982]

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@armbenderc wrote:

DW has a BoA Cash Rewards, CL is 500. She has good credit and never really get into a lot of credit card.

My question is, in May, it will be 6 months and 6 statement. Should she wait for auto CLI or hit that luv button?

She used the card heavily (Basically replaced her debit that she has with BoA) and PIF multiple times in per month.

This month, she already PIF, I told her to not use it and keep the balance "0" and hoping for a CLI. She's tired of paying 2-3 times a month instead of 1 time PIF like her other card.

Overall UTIL for DW is 25% (because she paid after statement cut, not before LOL)

670 Walmart TU08 FICO for her.

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I'd wait and if no luv hit the button!

[armbenderc]

Will do May 18 is her 6 statement. Will wait till then. If no auto luv, she will hit the luv button. HP correct?

[09Lexie]

Correct. You might want to give it a few days after it cuts. Good luck!