i just talked online to find out the decision on my CLI increase. She said it got denied. What's the number to recon for BofA? i don't want this hard inquiry I just did to go to waste. What do I even say on the phone? I've never done this before and I get nervous talking on the phone :/ I'm planning on calling them before I go to work today. I requested the credit limit increase to lower my utilization. Even just a little bit. I'm freaking out here, lol.
The back door numbers are listed at the top of the page. I'm sorry to say a CLI depends on how long you have had the card and utilization. It's worth a shot if it's a soft pull but if its another HP not so much. If it's your $500 BoA card you can explain it needs to be higher to be useful. If it's your $2300 BoA card and it's maxed out I'm afraid you may get the same denial. Good Luck what ever you decide. I have no BoA cards so hopefully some who does will share.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@coldnmn wrote:The back door numbers are listed at the top of the page. I'm sorry to say a CLI depends on how long you have had the card and utilization. It's worth a shot if it's a soft pull but if its another HP not so much. If it's your $500 BoA card you can explain it needs to be higher to be useful. If it's your $2300 BoA card and it's maxed out I'm afraid you may get the same denial. Good Luck what ever you decide. I have no BoA cards so hopefully some who does will share.
i think it's because of my recent-ish high utilization. So maybe if I pay it down enough in 30 days I can try the recon call?
@DarkMoonLily wrote:
@coldnmn wrote:The back door numbers are listed at the top of the page. I'm sorry to say a CLI depends on how long you have had the card and utilization. It's worth a shot if it's a soft pull but if its another HP not so much. If it's your $500 BoA card you can explain it needs to be higher to be useful. If it's your $2300 BoA card and it's maxed out I'm afraid you may get the same denial. Good Luck what ever you decide. I have no BoA cards so hopefully some who does will share.
i think it's because of my recent-ish high utilization. So maybe if I pay it down enough in 30 days I can try the recon call?
Tha's usually the problem. Banks seem to give money only when you don't need it. Not when you can use it! 
OP give them a call and try to recon, the analysts will ask you a lot of questions based on your CR, so get ready to answer them if you have any baddies. Best of luck.
This is interesting, because i am right now considering asking for a CLI on a Bank of America student credit card I got in college that has a $700 limit. So what is a good reason to tell them you want the increase, if not solely for utilization purposes and increasing your credit score? I have always paid this card on time, and in the last 6 months or so it has always been under 30% utilization. My scores currently are 731, 731 and 660 (transunion). Is it better to ask for an increase or to ask to upgrade the card? This is also my oldest TL and I wouldn't want to lose that history with an upgrade if that means the account gets closed and a new one is opened.
