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BofA CLI Bittersweet, but Discover REALLY likes me (EDIT: Chase Data Point)

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Established Contributor

BofA CLI Bittersweet, but Discover REALLY likes me (EDIT: Chase Data Point)

Pulled the trigger on my BofA Cash Rewards today. Requested a CLI (I'll update tomorrow if they HP'd or SP'd me).

 

I requested $10k. Went from $900 to $2.8k.

 

Nice to make this card more usable than it was, though I really did want a Visa siggy.

 

Discover, OTOH, handed me another SP $1.8k, making this a $7.6k MONSTER in my books.

 

I'm going to blow an HP with Chase today (Waiting on SM) and then run to the garden and hideout until I graduate from school. By then, most of my HP's will have fallen off and I hope to have a much better income.

 

Thanks to everybody's advice here, these forums are the only reason I've reached where I am today. Smiley Happy


TU FICO 8: 743 (10/17) — Ex FICO 8: 732 (11/17)
Message 1 of 17
16 REPLIES
Established Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

Just got emails from TU and Cap1 CreditWise about the BofA HP. I guess I couldn't be that lucky today haha Smiley Tongue FAKO dropped by 2, FICO will update soon.


TU FICO 8: 743 (10/17) — Ex FICO 8: 732 (11/17)
Message 2 of 17
Community Leader
Valued Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

Congrats!!! I know it's not what you wanted, but it's a more than 3x increase and I bet the next time you take the HP you'll see another huge increase worthy of a Visa Signature. Smiley Wink

 

Yes, you just took a TU pull but they're generally worth it.  Good luck with Chase.  From my experience that would be an Experian hit.


$500k+ club. | FICO 08 [Oct 2017]: EQ 746 EX 738 TU 733 | World's worst gardener.
Message 3 of 17
Established Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me


K-in-Boston wrote:

Congrats!!! I know it's not what you wanted, but it's a more than 3x increase and I bet the next time you take the HP you'll see another huge increase worthy of a Visa Signature. Smiley Wink

 

Yes, you just took a TU pull but they're generally worth it.  Good luck with Chase.  From my experience that would be an Experian hit.


Very true, a 3x CLI is pretty good Smiley Happy

 

Now I still have the button even though it reflects the new CL at the top of the page... has anybody ever tried doing it again after an instant counter approval? Would I get HP'd again?


TU FICO 8: 743 (10/17) — Ex FICO 8: 732 (11/17)
Message 4 of 17
Established Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

You're young so no rush; you'll get there. Congrats on the CLIs there.

FICO 08 Scores (Oct-17): TU 810, EQ 813, EX 813

Message 5 of 17
Regular Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

Ive been staring at that button for 3 months and im scared to hit it lol.
Message 6 of 17
Established Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me


601flyguy wrote:
Ive been staring at that button for 3 months and im scared to hit it lol.

I was too I literally squeeled out loud when I hit submit and I stared at the loading spinner on the pop up for all 60 seconds in agony!


TU FICO 8: 743 (10/17) — Ex FICO 8: 732 (11/17)
Message 7 of 17
Super Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

Congrats grasshopperSmiley Happy. Your future is bright. I was at like that with Boa too but since ive literally hit their wall, all i have on my TU is Boa Boa Boa. I cant receive any more cli yet that blue request stares at me everytime i log in. Wont do that mistake again with any lender so we live we learn. Enjoy your Disco luv as wellSmiley Happy
Message 8 of 17
Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

I hit it once after staring at it for months too. The approval came back and I ended up feeling like I left some on the table. I didn’t realize they countered.

Message 9 of 17
Community Leader
Valued Contributor

Re: BofA CLI Bittersweet, but Discover REALLY likes me

@4theLoveofPoints I see the seedling in your signature, so my lips are sealed! LOL

 

@GrasshopperStudent I answered your question in the original thread, but there's no use hitting the button again. It wouldn't result in a 2nd pull, but since you asked for a higher amount and they countered there's no reason they'd change their mind right now unless you called and spoke with an analyst.  Also, I somehow missed the Discover mention earlier - so congrats on that as well! Your card began secured and is a month younger than mine, yet you're only $400 behind already. Good going!


$500k+ club. | FICO 08 [Oct 2017]: EQ 746 EX 738 TU 733 | World's worst gardener.
Message 10 of 17