I hit the LUV button a few minutes ago and got the "Call in for an Instant Decision". I remember awhile back some people said not to even call in and they got a CLI. Is this true? Also, my current CL is 1500 and asked for a 3k CL. Any thoughts?
yes its true. you can call for instant decision or you can wait until a credit analyst takes a look and you might or might not get a cli.
hope this helps.
yes you can wait. But I personaly like to call and talk to them, the last time I called there was a super nice lady and she approved my request to increase from 1k to 5k. She also asked me if I want an increase on my other card which has 2k limit
Those with success on the LUV button, what was your balance etc?
I use my BOA card for my everyday spending. I probably send through at least 5000 a month and never pay interest - i just pay about 1500-2000 a week to it. So sometimes the balance is high, sometimes its not.
I do have some inquiries on my CR - which bureau have they pulled for you? or is it soft??
I always PIF before closing date, so the reported balance is usually zero.
So I called in today and spoke to a pretty nice credit analyst. He asked me a few questions about some baddies that are 6 years old and said, you current CL is 1.5k and want it a 3k CL. I said yes, and he said that will be no problem at all. Pretty easy, maybe I should of asked for more!
I just hit the CLI button and got the a written decision will be mailed out 3-5 days. Does this mean I got denied?