04-10-2012 08:59 AM - edited 04-10-2012 09:01 AM
Just wasted TU HP on BofA CLI - tried to increase from $500 CL after 6th statement, got a call from credit analyst who basically explained me that I've been doing a great job managing my credit, but my overall credit history was too short, so he couldn't offer me any increase, even the smallest one...
My first HP in 2012 ended with nothing , will probably need to calm down and wait at least for several months more...
BTW, do you think it makes sense to try to recon this? It seems the analyst had quite a strong point (length of credit history) and even my explanations that I can't buy a single air ticket to Europe using this card wasn't of any help...
Added: BTW, beware - looking at my report, HP has been placed on my report on Saturday night, right at the time I clicked luv button in my Online banking, so seems it's a fully automated HP initiated by the system, not by the analyst when he's reviewing the file.
04-10-2012 09:06 AM
04-10-2012 09:28 AM - edited 04-10-2012 10:17 PM
I just got a CLI this morning and the rep said it would be a soft pull. I was compressing the CL from one BoA card into another, though, so it might be different under those circumstances.- Scratch that. It was a HP after all. It just showed up on my TU report. Blurgh.
04-10-2012 09:29 AM
If I knew the outcome upfront, I wish I didn't have it either
04-10-2012 10:20 AM
I have the Alaska Airlines Platinum Plus. Have had it for close to a year and recently hit the luv button. Wasn't instant but I logged in a few days later and they bumped me from $2,500 to $5,000 and it was a soft.
04-10-2012 07:05 PM
My last two CLI requests have actually been answered via soft pull. The most recent request was back in December, I believe.
04-11-2012 11:27 PM
I have the BOA card with a limit of $500, and its been 5 months. Always paying in full. Tempted to try the credit limit increase button. Currect scores TU: 725, EQ:702
Any suggestions? Also, will it for sure automatically result in a hard pull? Also, I heard recently that BOA is cancelling accounts as soon as any special request is made, is that still true?
04-11-2012 11:36 PM
Thanks logon, please keep us updated on what they tell you.
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