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Regular Contributor
Posts: 207
Registered: ‎06-29-2012
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CLI BOA

Hey whats the best course of action to take, my gf has 3 BOA cards that r all way over due for CLI. Royal Carib 12k, Mets 2400, BOA Rewards 1500. I plan on showing zero balances on the 2 low cards and try and get down the royal to half before i ask. I read that its hard pulls on CLI Whats the best way to do this without the most damage on hp's, do we request all on the same day or does it matter when i do it? Thanks 

Im also working on getting her overall util down until next month when i plan on asking but these cards are all at least 3years old and all paid on time, also if u could give me good advice on how much to ask would be great, Sorry for being a turd on this but this is the first CLI i have ever done.

(Fico Equifax-721 11/19) (Fico Experian-729 11/14) (Fico Trans-691 11/4)
NFCU(10k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(3k), Quicksilver(3k), DiscoverIT(1500), AmexBCE($800), Orch Bank($400)
Regular Contributor
Posts: 207
Registered: ‎06-29-2012
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Re: CLI BOA

Anyone?

(Fico Equifax-721 11/19) (Fico Experian-729 11/14) (Fico Trans-691 11/4)
NFCU(10k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(3k), Quicksilver(3k), DiscoverIT(1500), AmexBCE($800), Orch Bank($400)
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: CLI BOA

What is her util and for how much time has she had the cards?

I know thry can hp you once for all 3 clis. You may need to call underwriting and have it done over the phone though.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
Posts: 207
Registered: ‎06-29-2012
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Re: CLI BOA


CruzImperial wrote:
What is her util and for how much time has she had the cards?

I know thry can hp you once for all 3 clis. You may need to call underwriting and have it done over the phone though.
Those cards are all at least 3 years upto to 6 years just for those 3. Right now her util is hi but im paying off most of her cards right now to show a zero balance on a good portion so she can get these good increases. By next month i should get her util down pretty good to a decent percentage.

 

(Fico Equifax-721 11/19) (Fico Experian-729 11/14) (Fico Trans-691 11/4)
NFCU(10k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(3k), Quicksilver(3k), DiscoverIT(1500), AmexBCE($800), Orch Bank($400)
Regular Contributor
Posts: 207
Registered: ‎06-29-2012
0

Re: CLI BOA

bump

(Fico Equifax-721 11/19) (Fico Experian-729 11/14) (Fico Trans-691 11/4)
NFCU(10k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(3k), Quicksilver(3k), DiscoverIT(1500), AmexBCE($800), Orch Bank($400)

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