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BOA Student Platinum CLI Increase (question for a friend)

New Contributor

BOA Student Platinum CLI Increase (question for a friend)

My friend got a BOA Student Platinum Visa about 4 years ago when he was 18 and was provided with a reasonable $1,000 limit. About 2 years in, he did a CLI and they denied him, even though he had no negatives and always paid on time. He has a paid off $5k LOC from Chase and a paid off auto loan. This is his only credit card. He has perfect payment history, but recently his utilization has been very high (90%) due to emergency reasons. To compare, I got a Citi student about a year after (when I was 18) he got his BOA and now I have a $10k limit on it. Any suggestions on how to get a CLI would be great (hard pull is fine). 


Starting Score: 737 (EXP - Amex Pull 6/29/12) | 732 (CreditKarma)
Current Score: 737
Goal Score: 750


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Message 1 of 12
11 REPLIES
Mega Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)


shorefox wrote:

My friend got a BOA Student Platinum Visa about 4 years ago when he was 18 and was provided with a reasonable $1,000 limit. About 2 years in, he did a CLI and they denied him, even though he had no negatives and always paid on time. He has a paid off $5k LOC from Chase and a paid off auto loan. This is his only credit card. He has perfect payment history, but recently his utilization has been very high (90%) due to emergency reasons. To compare, I got a Citi student about a year after (when I was 18) he got his BOA and now I have a $10k limit on it. Any suggestions on how to get a CLI would be great (hard pull is fine). 


Util. needs to be lower than 10%. I'd say the high util. got the denial by itself.




EQ FICO 548 3/3/16
Message 2 of 12
Valued Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)

i have that same card and got it with that same limit when i was 18 too. i asked for a cli once a year cuz i thought thats how long you had to wait for one. i have maxed out that card couple times but always made sure the balance was 0 when asking for a cli and i was always accepted.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 12
New Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)


jsickz32 wrote:

i have that same card and got it with that same limit when i was 18 too. i asked for a cli once a year cuz i thought thats how long you had to wait for one. i have maxed out that card couple times but always made sure the balance was 0 when asking for a cli and i was always accepted.


hey, thanks for the reply. what is your limit right now? i'm going to tell him to pay it off then do another request (he hasnt done it in about 2 years). 


Starting Score: 737 (EXP - Amex Pull 6/29/12) | 732 (CreditKarma)
Current Score: 737
Goal Score: 750


Take the FICO Fitness Challenge
Message 4 of 12
Valued Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)


shorefox wrote:

jsickz32 wrote:

i have that same card and got it with that same limit when i was 18 too. i asked for a cli once a year cuz i thought thats how long you had to wait for one. i have maxed out that card couple times but always made sure the balance was 0 when asking for a cli and i was always accepted.


hey, thanks for the reply. what is your limit right now? i'm going to tell him to pay it off then do another request (he hasnt done it in about 2 years). 


my limit was 3k just last week but i used 2k of it to get the bofa amex. the highest limit you can go in that student card is 4k tho. if he hasnt asked for a cli in 2 years tell him to call and ask for the highest cli theyll give him but make sure his balance is zero by the closing date.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 5 of 12
Frequent Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)

I have this card too. I just go it right before they discontinued it. 

Is it crucial to have it at $0 balance when requesting a CLI? 

Also are they going to do a HP ?


Message 6 of 12
Valued Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)


altayar wrote:

I have this card too. I just go it right before they discontinued it. 

Is it crucial to have it at $0 balance when requesting a CLI? 

Also are they going to do a HP ?



might not be crucial but everytime "i" asked i made sure my balance was 0 by the time my statement closed. like i said ive maxed out and used the hell out of that card and had no problems getting cli. and idk if its a hard pull.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 7 of 12
Valued Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)

btw what interest what yall got? i got 14.99%

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 12
Frequent Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)

Yeah that's my interest too.


jsickz32 wrote:

btw what interest what yall got? i got 14.99%


 


Message 9 of 12
Valued Contributor

Re: BOA Student Platinum CLI Increase (question for a friend)


altayar wrote:

Yeah that's my interest too.


jsickz32 wrote:

btw what interest what yall got? i got 14.99%


 


i wonder if thats the regular apr they give with that card. im thinking about changing mine to something else

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 10 of 12