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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: BoA CLI???

it is $2500 i started out at $800 when i first got the card but my chase cards have more then that so i may focus on those instead...i plan on paying down all my cards to get a UTL of 10-20% then ask for CLI on my chase cards


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
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Re: BoA CLI???

With BOA it's a hit or miss. I asked for a CLI online and someone called me,went over my file and gave me a CLI with a SP. Knowing BOA, I was expecting a flat out denial. YMMV Sorry about your denial from them :smileysad: What was your current CL?



Regular Contributor
Posts: 211
Registered: ‎03-07-2013
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Re: BoA CLI???

Did you already shred it? I mean you could always ask them if there is a CLI they are more comfortable giving you? I haven't know BoA to just want to jump up and give your highest limit. Maybe they can match the Chase?


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
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Re: BoA CLI???

[ Edited ]

You could try again. FIA denied me and after about three weeks I got a friendlier person who approved it less than one minute. Closing them won't do you any good.

 

2500 seems to be in line with the other cards, except for the two new Chase cards you opened. Shredding the card seems a bit much.

Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
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Re: BoA CLI???

What was your UTL % when you requested the increase?

*8/10/13
Established Member
Posts: 10
Registered: ‎04-06-2013
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Re: BoA CLI???

I think you would have had better results had you paid off the balance prior to asking for an increase. That has worked for me with BofA. I've actually found them to be generous with increases *when* my overall util has been low as well as my balance with them.

Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
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Re: BoA CLI???

By general rule, I tend to ask for 2X my current CL with conservative banks.




Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: BoA CLI???

ok so ill ask again maybe ill call back tomoorrow or so and see what they say even if i can get them to match chase


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: BoA CLI???


afbar1114 wrote:

ok so ill ask again maybe ill call back tomoorrow or so and see what they say even if i can get them to match chase


 

Ok Afbar, you probably know how much I detest the BOA.   But....    They have given you CLIs to get you to 2500.  They don't often move very fast.   Being they are actually granting you CLIs though, if you don't have an AF for that card, hold on to it (yes, I nearly gagged saying that, but it's in your best interest).

 

Here's the thing,  BOA likes to see frequent PIFs.   So if you've been carrying a balance on that card, and ask for a triple, it's not likely to happen.   I wouldn't try to get the CLI right away after just trying.  PIF a few times or so then try again for a lower CLI.   They WILL eventually HP you if you ask to often in a short period of time.

 

Discover likes usage and they tend to like people who carry a balance.  Use them (BOA and Chase) for whatever cash back program you have with them and play their game.  Done right, you're more likely to get a CLI from the BOA than from Chase with a SP later, Discover again too in probably 6 or so months.  

 

Btw, glad to see you made it out of toy limit land, and rather quickly too   :smileyhappy:

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Re: BoA CLI???

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