BOA CLI SP or HP?

[2FixMyCredit]

If you hit the luv button on BOA for a credit increase is it a hard pull or a soft pull?

[Jlu]

Inb4 HP

[thom02099]

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@2FixMyCredit wrote:

If you hit the luv button on BOA for a credit increase is it a hard pull or a soft pull?

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HP - 99.99999999% of the time

[HiLine]

My experience:

Secured card: HP

Non-secured card: SP

[Revelate]

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@HiLine wrote:

My experience:

Secured card: HP

Non-secured card: SP

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You're one of the incredibly lucky few.  Auto-CLI's may be SP; however, customer initiated ones with BOFA are 99.9999% of the time HP's as has been stated.

It's not quite infinite monkey timelines, but it's pretty darned close as to whether they will compose Mozart before you get a SP CLI that you requested from BOFA. 

[HiLine]

I know I'm not alone. A quick google search turned up these threads:

http://ficoforums.myfico.com/t5/Credit-Cards/BofA-cli/td-p/1744784

http://ficoforums.myfico.com/t5/Credit-Cards/BofA-CLI-Success-10K-to-20K-Instant-Approval/td-p/21453...

http://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-America-SP-CLI/td-p/1676952

http://ficoforums.myfico.com/t5/Credit-Cards/BofA-CLI-SP-Only/td-p/1415358/page/2

And then another led me to these:

http://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-America-Credit-Limit-Increase-Question/td-p/106...

http://ficoforums.myfico.com/t5/Credit-Cards/BoA-CLI-can-you-do-it-via-Soft-pull/td-p/1448800

http://ficoforums.myfico.com/t5/Credit-Cards/BofA-CLI-was-SOFT-PULL/td-p/1019404

http://ficoforums.myfico.com/t5/Credit-Cards/CLI-with-soft-pull/td-p/860472

[HiLine]

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@Revelate wrote:

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@HiLine wrote:

My experience:

Secured card: HP

Non-secured card: SP

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You're one of the incredibly lucky few.  Auto-CLI's may be SP; however, customer initiated ones with BOFA are 99.9999% of the time HP's as has been stated.

It's not quite infinite monkey timelines, but it's pretty darned close as to whether they will compose Mozart before you get a SP CLI that you requested from BOFA. 

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I love those analogies by the way. Just read about the infinite monkey theorem.

[SRAGS]

100 % HP