**BOA New CLI Policy**

[davidjb]

I applied for a $3000 increase to my $2000 limit card on the 5th and was denied.  I just received there letter telling me there decisioned was based on my EX Fico score (764) and too many inquires in the past 12 months ( 3 and 0 in the last 6 months ).  lol.  I guess the age of  my credit report is what really got me.  ( 2 yr aaoa 1 yr )  I had the boa card open 8 months now.  No loss for me because it was a soft pull.

[DonDraper]

I asked for a CLI (online, then had dreaded discussion w/analyst) first week of December. There was no HP, just a soft on EX. I was turned down because I don't use the card enough as it is.

[smc733]

I got a soft only on EX when I asked to go from 3,500>5,000 back in July (1 yr anniversary of account).  I calculated that I've spent over $16,000 since opening the account since June of 2010, I wonder if I should go for a CLI request from 5,000>10,000?  I also bank with BofA.

[DonDraper]

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@davidjb wrote:

I applied for a $3000 increase to my $2000 limit card on the 5th and was denied.  I just received there letter telling me there decisioned was based on my EX Fico score (764) and too many inquires in the past 12 months ( 3 and 0 in the last 6 months ).  lol.  I guess the age of  my credit report is what really got me.  ( 2 yr aaoa 1 yr )  I had the boa card open 8 months now.  No loss for me because it was a soft pull.

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Don't feel bad. My letter said 795 FICO, I had 0 inquiries, and apparently my 1% utilization was considered dangerously high.