Credit Cards

[laboi_22]

Just wanted to share. As long as I've been a customer of BofA I've always requested CLIs with only SPs. I just took advantage of an offer for low APR till June 2013 and I purchased some new furniture. In order to assist with my UTL unitl that balance has paid, I requested a CLI. I was approved for an additional 5,000 brining my total up to 15,000 however they HP TU. I was shocked!!

Also on my 61 day CLI with AMEX, I called a requested a CLI through the automated system. They said I needed to call in. I called in. They had to verify additional information since I have some sort of fraud alert that I did not place on my report. After I was approved for 6,000 a 3X CLI. I just noticed that they did a HP on ALL 3 CRA!!!!!!! Wow shocked again.!!

[OptimasPrime]

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laboi_22 wrote:

Just wanted to share. As long as I've been a customer of BofA I've always requested CLIs with only SPs. I just took advantage of an offer for low APR till June 2013 and I purchased some new furniture. In order to assist with my UTL unitl that balance has paid, I requested a CLI. I was approved for an additional 5,000 brining my total up to 15,000 however they HP TU. I was shocked!!

Also on my 61 day CLI with AMEX, I called a requested a CLI through the automated system. They said I needed to call in. I called in. They had to verify additional information since I have some sort of fraud alert that I did not place on my report. After I was approved for 6,000 a 3X CLI. I just noticed that they did a HP on ALL 3 CRA!!!!!!! Wow shocked again.!!

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That is unprecedented. I mean I've heard of amex pulling all three cra's for an actual application (if borderline) but I've never heard of them doing even 1 hp for a cli, let alone 3. 

Could it be because of the fraud alert?

[laboi_22]

I'm assuming because I had to call in to verify additional information, they did a HP which might be expected. I don't know why they would do all 3. I confirmed it on all my CRAs recently when I pulled my free annual reports. They didn't even pull all 3 to approve me! This was on my BCE

[OptimasPrime]

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laboi_22 wrote:

I'm assuming because I had to call in to verify additional information, they did a HP which might be expected. I don't know why they would do all 3. I confirmed it on all my CRAs recently when I pulled my free annual reports. They didn't even pull all 3 to approve me! This was on my BCE

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It doesn't make much sense to me. You would think that amex could verify identity by softing you, and even that doesn't explain why they would pull all three.

[LS2982]

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laboi_22 wrote:

Just wanted to share. As long as I've been a customer of BofA I've always requested CLIs with only SPs. I just took advantage of an offer for low APR till June 2013 and I purchased some new furniture. In order to assist with my UTL unitl that balance has paid, I requested a CLI. I was approved for an additional 5,000 brining my total up to 15,000 however they HP TU. I was shocked!!

Also on my 61 day CLI with AMEX, I called a requested a CLI through the automated system. They said I needed to call in. I called in. They had to verify additional information since I have some sort of fraud alert that I did not place on my report. After I was approved for 6,000 a 3X CLI. I just noticed that they did a HP on ALL 3 CRA!!!!!!! Wow shocked again.!!

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Wow.....

AMEX is not known for the HP CLI's. I'd freeze your reports for future requests.