Does BoA ever SP, for CLI?

galahad15 · ‎09-27-2015

Does BoA ever SP, for CLI? I tried using the forum search feature and from what I could tell based on the posts, it looks like BoA always does a HP, for CLI? Just thought it maybe couldn't hurt to double-check though if BoA will ever allow certain exceptions to the HP rules if you have been a customer of theirs for say about 12+ years, etc.?

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AOD FCU VS @ 7.49% F with 3% rewards, $7.5k

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $25k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.3%/2.2% category rewards, $50k

Unify FCU Variable-Rate VISA Platinum @ 10.24% V, $15k

EPFCU Smart Rewards MC @ 10.75% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 11.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.99% V with 3%/1.5% rewards, $5k

Cap1 Venture MC @ 15.15% V with no AF, 2% rewards, $9k

BoA Travel Rewards VS @ 15.24% V, $17.6k

BoA Customized Cash Rewards WMC @ 17.24% V with 3%/2% category rewards, $14.3k

Redstone FCU VS @ 17.25% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 18.74% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 18.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards WMC @ 19.24% V with 3%/2% category rewards, $20.4k

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Amazon Prime VS @ 19.49% V with 5% category rewards, $35k

PayPal CashBack MC @ 19.74% V with 3% on all PayPal purchases/2% on all other purchases, $25k

US Bank Cash+(x2) @ 20.24% V with 5% category rewards, $32k

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FNBO BucksBack VS @ 21.24% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

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Anonymous · ‎09-27-2015

anything you request is a HP with them

FinStar · ‎09-27-2015

If your overall profile qualifies (internally and externally) you would receive a snail mail, email or online pre-approved solicitation for a CLI (typically via SP). Otherwise, any customer-initiated requests (online, chat or phone) are HP, regardless if you've been with BoA for 30 years.

Anonymous · ‎09-28-2015

If you use pre-qualification site does it make a new soft pull? I would start banging them over and over every few weeks if that was the case, especially on a score rebound

FinStar · ‎09-28-2015

@Anonymous wrote:
If you use pre-qualification site does it make a new soft pull? I would start banging them over and over every few weeks if that was the case, especially on a score rebound

No, it doesn't. Using the prequalification tool is simply a recommendation platform for a product. That's not going to force a SP for a CLI. So, the OP could bang it 1000x and still not get the desired results (as you suggest). The SPs are internally driven based on behavioral scoring (amongst a few factors), not banging the prequalification tool at will (which does nothing).

Anonymous · ‎09-28-2015

BOA almost always requires a HP. I just recently got a CLI on my BOA Cash Rewards and got a $15,000 increase. If you do decide to request a CLI aim VERY high. I've been a BOA customer for a little over 10 years and they've been very good to me.

languedoctor · ‎09-30-2015

One thing that's nice about BoA (unlike some others) - while they always (I think) do a HP, they spread them around. It's not like CapitalOne, which hammers all 3 bureaus. Here in Indiana, they pull EX for initial approval, and TU for CLI.

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Anonymous · ‎09-30-2015

nope, they pull TU for CLI which is my highest FICO score so I'm good

Anonymous · ‎10-01-2015

Normally not when the CLI is requested by the cardholder -although a few people on the board recently have received e-mail offers for SP CLI.

Anonymous · ‎10-02-2015

CLIs with BoA are all HPs. Sorry OP. They are really strict when it comes to this rule. I will say that they have been worth it for me. BEst of luck!