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BofA CLI 1k to 5k and lowered APR!!...

New Member

BofA CLI 1k to 5k and lowered APR!!...

Just got off the phone with the credit services department after hearing the good news.

 

In January of 2011 I opened a $500 CL secured card with BofA after making the required $99 deposit.

One year later in January of 2012 I called BofA and they approved me for a CLI from $500 to $1000 and unsecured my card.

Today I called in and was approved for a CLI from $1000 to $5000! Before getting off the phone the specialist asked if I had any other questions. I asked him if there was a possibility of lowering my APR. After re-checking my card usage history and verifying that I had always paid my bills on time he went ahead and lowered the APR rate from 20.49% down to 11.99%! Sweet!!

 

 

Edit 02/11:

It turns out they did a HP for the CLI..

Message 1 of 14
13 REPLIES
Established Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

Congrats on your accomplishment!!!

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 2 of 14
Moderator Emerita

Re: BofA CLI 1k to 5k and lowered APR!!...

Message 3 of 14
Established Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

Congrats



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 4 of 14
Frequent Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

HP? SP?

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Message 5 of 14
New Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

congrats...thanks for sharing your story...i recently got this card in 10/2012 and i am looking forward to the wonderful growth others have experienced with it...
Message 6 of 14
Established Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

 

 

Congrats. I am also curious to know if it is a HP or SP


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 14
Valued Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

Nice going, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 8 of 14
Regular Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

Smiley Wink Beautiful simply beautiful! Now THAT'S a CLI with whipped cream and a cherry on top!!!

________________________________________________________________________________________________
I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Message 9 of 14
Valued Contributor

Re: BofA CLI 1k to 5k and lowered APR!!...

Congrats! Ive also had nothing but good experience with bofa
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 10 of 14