Loving BofA - SP CLI - myFICO® Forums

armbenderc · ‎04-11-2014

I LOVE BofA

Well, since all my credit CRs are frozen, I decided to do it.

Result: 15k to 20k CL, instantly via online and via SP.

Balance is 0, PIF always.

P.S. Last time I asked for CLI via online, it said that my CRs are frozen and a rep called me. I decide not to unfreeze my credit and move on.

This time they approved. NO pull from Amex's Credit Secure which updated daily.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

DrZoidberg · ‎04-11-2014

Nice. I hate how it's a YMMV when it comes to a SP vs Hp with BoA.

armbenderc · ‎04-11-2014

@DrZoiberg wrote:
Nice. I hate how it's a YMMV when it comes to a SP vs Hp with BoA.

That's very true.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

BigBS · ‎04-11-2014

Congrats! May have even been worth a HP for a $5k bump.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

coldnmn · ‎04-11-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

gdale6 · ‎04-11-2014

@armbenderc wrote:
I LOVE BofA

Well, since all my credit CRs are frozen, I decided to do it.

Result: 15k to 20k CL, instantly via online and via SP.

Balance is 0, PIF always.

P.S. Last time I asked for CLI via online, it said that my CRs are frozen and a rep called me. I decide not to unfreeze my credit and move on.
This time they approved. NO pull from Amex's Credit Secure which updated daily.

Grats

myjourney · ‎04-11-2014

Congrats on the CLI

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

CreditMagic7 · ‎04-11-2014

@armbenderc wrote:
I LOVE BofA

Well, since all my credit CRs are frozen, I decided to do it.

Result: 15k to 20k CL, instantly via online and via SP.

Balance is 0, PIF always.

P.S. Last time I asked for CLI via online, it said that my CRs are frozen and a rep called me. I decide not to unfreeze my credit and move on.
This time they approved. NO pull from Amex's Credit Secure which updated daily.

With BofA it's definitely a Big Plus to be spared a HP for a CLI with them since it can be a toss up either way!

Congrats on the fine bump!

Anonymous · ‎04-11-2014

Congrats!

alvon123 · ‎04-12-2014

congrats

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