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Established Contributor
Posts: 530
Registered: ‎07-28-2008
0

Bank of America CLI message

Hi All,

 

I have the BOA/Amex acclerated rewards card with a $15K limit. I just hit the luv button asking for a $10,000 increase. I got the message to call for an instant decision. If this was declined, wouldn't I have received the famous 7-10 day message? What do you think will happen if I don't call?

 

UM

Equifax Fico 785 as of 01/18/2012
Valued Contributor
Posts: 1,359
Registered: ‎02-07-2010
0

Re: Bank of America CLI message

if they deny you, they will send out a denial letter on day three. if you are approved on day three (this is when they decide without call i believe), you will see the reflected change on your activity page. if you do not see a reflected change on day three, send them a message asking about any letter sent out and they will tell you that one was sent out.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Bank of America CLI message

That is BOA's way of saying approaved my friend!  Several members here have gotten that message reciently and without fail it has been an approval.   I don't know why they don't just say approved but that's what it is.

Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
0

Re: Bank of America CLI message

[ Edited ]

I take it to mean that they want you to call to discuss your request. During the last year I have asked for an increase via the button. On the first request, I did call in and was approved after answering a few questions about my credit report. The second time I did not call in and was approved for the requested increase. On the third request, I didnt call and I was denied. On both the first and second request it was a soft pull on my credit report, the third was a hard pull.

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Established Contributor
Posts: 669
Registered: ‎11-13-2012
0

Re: Bank of America CLI message

Is the first one always a sp because once I pay my bill off I'm gonna ask for 1000 more Smiley Happy
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Regular Contributor
Posts: 232
Registered: ‎08-30-2011
0

Re: Bank of America CLI message

All BofA customer initiated requests are HP
Established Contributor
Posts: 614
Registered: ‎08-24-2011
0

Re: Bank of America CLI message

I got this last month as well. 

 

Requested to go from $800 to $5,000. It told me to call in...I never did, checked my account the next day and my credit line was $5,000. I would say if you don't see an increase in your CL in the next few days, then call. If you don't want to call then just wait a day or two and I bet you it'll show up automatically. 

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Established Contributor
Posts: 669
Registered: ‎11-13-2012
0

Re: Bank of America CLI message

[ Edited ]

Scope27 wrote:
All BofA customer initiated requests are HP

I'm reading posts by people on here who only got a sp

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0

Re: Bank of America CLI message

really no way to know with BOA. I got an instant approval CLI online from 3K to 6K, that was a HP. Some people get instant CLI's without the HP. Some people are asked to call in, don't, and still get the CLI without a HP. Sometimes they don't callin and get the CLI with a HP. Wish i had some idea of what causes them to want a HP.

EQ-736(08/14) TU-752(09/14)
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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
Valued Member
Posts: 49
Registered: ‎10-18-2012
0

Re: Bank of America CLI message

i got that message when i hit the luv button. Its b od a way of discussing the amount you asked for........it should just show up online if you wait without calling

ex 669 tu 689 eq 658
these scores are a few months old
goal 700 club
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