Gonna push that BofA luv button

[Firehorse]

The last pull on TU was last week for my Barclay approval, first one in 9 months. So that makes 6 total HP on TU. Only 2 are less than a year old and one of those is BofA for a CLI. So I'm feeling confident with taking an HP on TU to do this.

SOOOOooooo.... my question is what CLI do you think I should request? I have a perfect payment history, been with BofA for 2 yrs, 2 mos now. But they've denied me twice for a CLI. Even when I only requested a $200 increase. However, this was when they were my only card. I've been stuck with a measely $500 CL with them all this time.

Take a look a my sig for the scores and my wallet and offer some advice if you can. Naysayers are welcome too.

Thanks a ton!

[Kenny]

IF you're going to do it.. aim high. 5k at minimum. Best of luck if you decide this... gardening is always a great option though!

[Firehorse]

LOL! I plan to garden VERY soon. Next couple of weeks. Talking to my CU and they said the best they probably do 11.25% and there's a Chase Freedom pre-approval staring at me. Both would EX HPs. If I do those two as well then I'm off to the garden and waiting for my paid lien to drop off on 11/2015.

Do you know if BofA counter offers? Thought maybe just shoot for the moon and do $7500 and see if I can bump up to a Signature.

Thanks!

[Firehorse]

I just got CLIs on five of my Comenity cards. I'm thinking since JCrew jumped from $250 to $4,450 I might wanna wait until those CLIs post. Although, I'm not sure if BofA even considers toy cards when matching.

[Kenny]

Definitely let CLIs post.. that will never be a bad thing. BoA does counter.

[Firehorse]

Awesome. Thanks for the input. I will be wearing mittens to hinger my trigger finger in the interim.

[B335is]

Agree with asking for $5k.  BoA is pretty decent about counter-offering if they can't fulfill the entire request.

[rootpooty]

Any derogs on your TU report?  Some prime lenders dont take store card limits into account when asking to match or exceed a certain store card limit.

With that said I would only aim to double your limit and that would be 1k.  I started with them with a 300cl secured card which graduated to 1k after a year then I requested 3x cl to 3k and had to recon that limit.  Last night I hit the luv button after having the 3k cl for over a year and instant approval for 2x cl.

[Luscher]

I would ask 10k. You don't want to limit yourself and you won't be penalized for asking too much. They will counter and they will give you the max that they want to, so don't ask for too little. GL

[Luscher]

Also, I had a 10k limit. asked for 20k and they gave me 18k so don't be shy