11-06-2011 09:05 PM
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?
11-06-2011 10:35 PM
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.
11-07-2011 01:45 AM
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.
11-07-2011 02:05 AM - edited 11-07-2011 02:06 AM
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.
01-13-2013 12:13 PM
01-13-2013 12:47 PM
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.
01-13-2013 01:14 PM - edited 01-13-2013 01:15 PM
All BofA customer initiated requests are HP
I'm reading posts by people on here who only got a sp
01-13-2013 04:19 PM
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.
01-13-2013 04:36 PM
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