Bank of America CLI a SP or HP?

[One7]

Just a quick question, if I were to request a CLI on my Bank of America Travel Rewards Visa would it be a SP or a HP? I'm sure everyone's situation varies but if you have tried this how was the outcome?  And if it were a HP which bureau did they pull? Thanks 

[yudeology101]

HP! They pull TU.

[One7]

Thank you! My GF has only one HP on her Transunion and has had the card a year so she should be able to get an increase quite easily. 

[yudeology101]

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@One7 wrote:

Thank you! My GF has only one HP on her Transunion and has had the card a year so she should be able to get an increase quite easily. 

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Definitely a good chance, what are her scores?  I took a HP last month on my BOA which i had for 6months, starting CL was $1k, asked for $6k.  Received the 7-10day msg, called recon, and approved for the full asking $6k!   Best of luck to your GF!

[striehl8212]

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@yudeology101 wrote:

HP! They pull TU.

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^^^ This. I asked for a recon of the starting limit when I was approved for the card. Pulled EX at app and TU for the CLI. 

[One7]

She has upper 690s for all three scores, she went ahead and did the online credit limit increase and got the 7 to 10 message,  but waited about 20 minutes and when she logged back into her account she saw that her CL was increased. Went from $500 to $2,500. Not sure what was pulled just yet. The only mistake she made was that she read the question wrong, she thought she requested a $2,500 increase to make her total $3,000 but they asked her what she wanted her total to be, which is how she ended up with that number. She's still very happy though with the outcome. 

[striehl8212]

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@One7 wrote:

She has upper 690s for all three scores, she went ahead and did the online credit limit increase and got the 7 to 10 message,  but waited about 20 minutes and when she logged back into her account she saw that her CL was increased. Went from $500 to $2,500. Not sure what was pulled just yet. The only mistake she made was that she read the question wrong, she thought she requested a $2,500 increase to make her total $3,000 but they asked her what she wanted her total to be, which is how she ended up with that number. She's still very happy though with the outcome. 

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right on!! Nice jump!

[One7]

Thanks!  She did her happy dance

[yudeology101]

WTG, Congrats to GF! 

[Creditaddict]

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@One7 wrote:

She has upper 690s for all three scores, she went ahead and did the online credit limit increase and got the 7 to 10 message,  but waited about 20 minutes and when she logged back into her account she saw that her CL was increased. Went from $500 to $2,500. Not sure what was pulled just yet. The only mistake she made was that she read the question wrong, she thought she requested a $2,500 increase to make her total $3,000 but they asked her what she wanted her total to be, which is how she ended up with that number. She's still very happy though with the outcome. 

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id have her go back and ask for $10k... until they counter to me it means you didn't ask for enough.... I almost always ask for $25k when it comes to CLI depending what bank and what the current line is.... since she was at a smaller line I like the $10k number unless amex then just 3x.