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BOA CLI questions

Established Contributor

BOA CLI questions

 

Its been about  5 and half months since I have received a CLI from BOA. (from $500 to $3000).  I am thinking about asking for another CLI. How long do people usually wait in between CLIs with BOA?  Is 6 months wait enough.

 

I think any CLI results in a HP on TU. (it did last time)

 

also, i am thinking of asking to atleast double the limit. If they dont grant it, do they usually make counter offer?

 

Any suggestions would be appreciated.

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Message 1 of 12
11 REPLIES
Valued Contributor

Re: BOA CLI questions

DW also had boa with $500cl, be nice if she gets 3k cli. How long have you had the card?

6 months is waiting time I think.
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%
Message 2 of 12
Regular Contributor

Re: BOA CLI questions

I did a CLI on my alaska card in november and then again in feb (both approved), so I don't think you need to wait 6 months...

Age: 25 | FICO: TU 802, EQ 782, EX 801 | FAKO: TU 778, EX 769 | Garden: 6/2015 | Total History: 7yr 6mo | AAoA: 4yr 2mo | Util: 4%
........24000...............10000.....................6000................7000................500..................5000................18000...............10000
Message 3 of 12
Frequent Contributor

Re: BOA CLI questions


broseph23 wrote:

I did a CLI on my alaska card in november and then again in feb (both approved), so I don't think you need to wait 6 months...


How big were your increases in Nov & Feb ?

   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Message 4 of 12
Established Contributor

Re: BOA CLI questions


armbenderc wrote:
DW also had boa with $500cl, be nice if she gets 3k cli. How long have you had the card?

6 months is waiting time I think.

I have waited for an year before asking for CLI.

 

I have the card for about year and half now.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 12
Super Contributor

Re: BOA CLI questions

Every 6 months 

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?
Message 6 of 12
Established Contributor

Re: BOA CLI questions

every 6 months-12 months you'd have a better chance of getting a CLI with a SP(no guarantees still), but if you aren't willing to wait that long you can get a CLI with them with a HP spaced 3-4 months apart

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 7 of 12
Established Contributor

Re: BOA CLI questions

it is possible less then 6 months.   My travels rewards I opened in feb went from 2.5k to 5k yesturday . I have an existing relationship with bofa though., checking and a cash siggy. which I increased as well.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Message 8 of 12
Established Contributor

Re: BOA CLI questions

 

Do you guys call in for CLI or submit the request online?

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 9 of 12
Established Contributor

Re: BOA CLI questions

 


To see if a SP CLI is possible, do you guys call in or the backdoor number?

 

or requesting online is the only way to go and find out later if it resulted in a HP or not?

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 12