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Regular Contributor
chrisw1968uk
Posts: 211
Registered: ‎08-03-2013

About to activate new BOA card - should I ask rep for CLI?

I all

 

About 10 days ago, I posted that I got approved for a BOA card - but it only had $1100 CL, The card arrived yesterday, Should i call in to activate it - and at the same time, see if the CL could be raised to be in-line with the other limits that i have?

 

If i can get a CL, this could my main "go-to" card because the interest after the intro period is the best that I have

 

Thanks all - have a great day!

Amex PRG NPSL - Amex BCE $8,000 - Chase Slate $7,500 - Citi Diamond Preferred $6,500 - U.S Bank Select Perks $5,000 - City Simplicity $4,500 - Discover IT $3,600
TU Fico 751 on 2/6/14



HAPPY TO GARDEN FOREVER, Fico Target Of 785+ On All 3 By 9/14, currently 751

Contributor
CreditControl
Posts: 84
Registered: ‎06-29-2009

Re: About to activate new BOA card - should I ask rep for CLI?

That's what I did.  In fact, I did it before I received the card!  I was approved and given my limit then decided to call to see if I could get a higher limit.  My initial CL was 8k, I spoke with an analyst who said it would take a hard pull on TU and I went for it.  I asked for 12k and was instantly approved which of course left me feeling that I should have asked for 16k!!!!

 

If you don't mind the hard pull - go for it.


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: About to activate new BOA card - should I ask rep for CLI?

Regular Contributor
kayvee_
Posts: 130
Registered: ‎06-29-2013

Re: About to activate new BOA card - should I ask rep for CLI?

it will be a hard pull on TU. I'd say wait for an auto increase. 

Regular Contributor
tld409
Posts: 201
Registered: ‎03-21-2012

Re: About to activate new BOA card - should I ask rep for CLI?

BOA doesn't do auto increases. At least this what I was a told by an analysis. They stope auto increases awhile ago. 

Starting Score 630 Current:EX:714(05/31/14); EQ08: 732 (07/03/14);TU:739 (07/06/14):Goal Score: 750 across the board
Amex BCP 4.3K; Amex BCE 18K; Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 5K; Slate Visa 3k; Citi Simp Visa 6.9k; CFCU Visa 15k; Discover IT 4K; JCP MC 6.7K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub Discover 10k; Walmart 10k
Frequent Contributor
resilient
Posts: 344
Registered: ‎10-02-2012

Re: About to activate new BOA card - should I ask rep for CLI?

Man, you've got a high Belk limit! Dwarfs mine in comparison! BTW, BofA is good about CLI, at least to me. Go for it.


CreditControl wrote:

That's what I did.  In fact, I did it before I received the card!  I was approved and given my limit then decided to call to see if I could get a higher limit.  My initial CL was 8k, I spoke with an analyst who said it would take a hard pull on TU and I went for it.  I asked for 12k and was instantly approved which of course left me feeling that I should have asked for 16k!!!!

 

If you don't mind the hard pull - go for it.


 

Belk ($2.5k) Chase Freedom VS ($15k) CSP VS ($21.9k) Citi Platinum Select AAdvantage WEMC ($13k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($12.5k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($3k) Macy's ($1k) Military Star Card ($4.8k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Susan G. Komen WMC ($30k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k)
Regular Contributor
chrisw1968uk
Posts: 211
Registered: ‎08-03-2013

Re: About to activate new BOA card - should I ask rep for CLI?

Thanks all

 

Ouch! i'm not in favor of a HP though - they only did one about 10 days ago when I was approved - I'll see what they say

Amex PRG NPSL - Amex BCE $8,000 - Chase Slate $7,500 - Citi Diamond Preferred $6,500 - U.S Bank Select Perks $5,000 - City Simplicity $4,500 - Discover IT $3,600
TU Fico 751 on 2/6/14



HAPPY TO GARDEN FOREVER, Fico Target Of 785+ On All 3 By 9/14, currently 751

Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: About to activate new BOA card - should I ask rep for CLI?

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: About to activate new BOA card - should I ask rep for CLI?

Lol @creditcontrol. I asked for $15k and got 10k which means I should have asked for $25k to get to 15k that I wanted lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: About to activate new BOA card - should I ask rep for CLI?


09Lexie wrote:
They will probably pull TU for the Cli

+1

So, if you want to avoid the HP, I wouldn't do it unless there's absolute necessity for CLI - other than to "match" your other CLs.... needs vs wants.


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