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used the button, then got the message: call the 180#######........i didn't .a day later they called me!!
had to answer a few questions about income ,savings, what do i need the increase for
....then ok + $3000. for a moment i thought they were gonna cld me. i promise i wont hit that button again till 2011.
I posted this before, and I will now again:
Per my conversation with a BofA credit analyst at the current time all CLI requests made via the "Luv Button" are either: 1) denied or 2) get the "phone in" message. There are currently no computer granted increases.
For a while they were acting on some of the increase requests when you did not call them without calling you. It is possible that they now have a policy of calling you when you do not call them. The point is that if you complete a "Luv Button" CLI request with BofA at this time a credit analyst's eyeballs will be perusing your account/credit info. It's best to be sure you have every i dotted and t crossed before you ask for a CLI - some have ended up with a CLD, or worse an account closure, for their efforts!
I checked my reports this morning and EX is already reporting the new CL, that was quick !
this is my first card ever with a cl > 10k it s something to me, since my whole credit history is only 13 months.
This forum rocks, thanks everyone.
@creditwherecreditisdue wrote:I posted this before, and I will now again:
Per my conversation with a BofA credit analyst at the current time all CLI requests made via the "Luv Button" are either: 1) denied or 2) get the "phone in" message. There are currently no computer granted increases.
For a while they were acting on some of the increase requests when you did not call them without calling you. It is possible that they now have a policy of calling you when you do not call them. The point is that if you complete a "Luv Button" CLI request with BofA at this time a credit analyst's eyeballs will be perusing your account/credit info. It's best to be sure you have every i dotted and t crossed before you ask for a CLI - some have ended up with a CLD, or worse an account closure, for their efforts!
That's the exact reason I won't disturb either of my BoA cards for a good long while.
Out of sight out of mind.