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Member
Posts: 17
Registered: ‎11-30-2012
0

Bank of America CLI - When to click the Luv Button again and how much?

Hey guys. So I am trying to get the limits up on a couple of my credit cards into the 10-15,000 range. I just got my Discover card from 2000 to 4500 a couple weeks ago. Today, I requested a Bank of America CLI of 2500 from a 700 limit and got it! Happy about it, but I feel I should have asked for more and could have got accepted for more with this inquiry if it turns out to be a hard pull. My question is, when is the next time I should hit the CLI button on the BoA card and for how much? 

Contributor
Posts: 109
Registered: ‎11-06-2012
0

Re: Bank of America CLI - When to click the Luv Button again and how much?

I would say after 6 months. I only had my BOA card for 6 months when I clicked the luv button. Current limit was 5k and asked for 10k. Approved instantly (I also wondered if I could have gotten more). Then was approved for a 2nd BOA card for 8k the next week. YMMV of course. :smileyhappy:

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
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Frequent Contributor
Posts: 380
Registered: ‎05-03-2013
0

Re: Bank of America CLI - When to click the Luv Button again and how much?

I have mine down on my spreadsheet as every 6 months.

 

I just got mine raised last month from $ 500 to $ 3,500, after having the account for 2 years. I think I had asked for $5,000. So if you shoot for the moon, they should counter instead of just denying outright. YMMV

 

And congrats on both CLI's!



In the Garden since 7/3/13
Latest Scores: 749 EQ MyFico 8/5/13 | 766 TU Wally Aug '13 | 732 CK Fako 8/7/13 | 776 CS Fako 8/6/13
Goal: 780+ and my own house by next summer!
Member
Posts: 17
Registered: ‎11-30-2012
0

Re: Bank of America CLI - When to click the Luv Button again and how much?

Okay cool. What type of spreadsheet template do you use pt310? That seems like a simple way to organize bills and goals.

Frequent Contributor
Posts: 380
Registered: ‎05-03-2013
0

Re: Bank of America CLI - When to click the Luv Button again and how much?

I just created a spreadsheet on Excel. Nothing special, but I made sure it has all the necessary info. I add a new section and update it every month.

 

(I'm an accountant in real life, so spreadsheets are just what I do. I make a spreadsheet for EVERYthing!  LOL)  :smileyhappy:



In the Garden since 7/3/13
Latest Scores: 749 EQ MyFico 8/5/13 | 766 TU Wally Aug '13 | 732 CK Fako 8/7/13 | 776 CS Fako 8/6/13
Goal: 780+ and my own house by next summer!
Member
Posts: 17
Registered: ‎11-30-2012
0

Re: Bank of America CLI - When to click the Luv Button again and how much?

lol Okay cool. Thanks a lot for the advice, I think I am going to start one on monthly expensives and important financial dates and goals.

Regular Contributor
Posts: 179
Registered: ‎01-17-2008
0

Re: Bank of America CLI - When to click the Luv Button again and how much?

nice same here i hit that luv button every 2 months its a soft pull anyways today my 6th  statement cut hit that luv button and bam 14k to 17.5k 3rd increase with BOFA just last month i was decline for increase :smileyvery-happy:I ask for 25k and it was HP today was soft pull and was instant

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