No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
On BofA, t's always been a soft for me and most posters. I do remember reading a post by someone who kept hitting the button, over and over, and finally they did a hard. Slowed him down a bit.
All of my inqs. with Bank of America for CLIs have been soft.
Soft inquiry for me as well. I asked for 5000 from 1000 after 3 months and they approved with only a soft pull!
i requested cli on sunday. did not call (i should have but figured somehow i might avoid hard pull this way.) beginning of day three and still no go. sigh.
Everytime I apped for a CLI on BOAs website its been a soft on Experian. They give me
a message saying to call in to get an instant approval. I never call in and a few days later
they usually grant my CLI. I run a lot through the card $2-3k a month. PIF. They like usage.
I went from 2.5k to 4k to 7.5k in five months.
@MrCredit wrote:They give me
a message saying to call in to get an instant approval.
are you sure it said "instant approval" or "instant decision". i got "call for instant decision"
I just got the "Call 1-800 for an instant decision", I called and was approved for a CLI from $700 to $2.5k, they pulled Experian for me since she asked about my recent American Express inquiry. I'm not sure if it was soft or hard. I've had my BofA card for 3 years, I was always scared to use the increase button.
I requested a CLI on both of my BOA cards and was denied. They tried to use something on my credit report as the reason why. Then I applied for a Citi AMEX card and was approved for $5K. I only keep BOA for the history.
Well i just hit the button . I am sure its been a year since i seen any love on the card. . Current CL is 3.5k i asked for 7k .. and got the call now for an instant decision. Last time i did not call and within a day ... they called me but i got a 1k increase (atleast i think it was 1k )
@Woolfman wrote:Well i just hit the button . I am sure its been a year since i seen any love on the card. . Current CL is 3.5k i asked for 7k .. and got the call now for an instant decision. Last time i did not call and within a day ... they called me but i got a 1k increase (atleast i think it was 1k )
Just curious. Why are you guys not calling? It takes about 3 minutes and your limit is increased.