Credit Cards

[h4ldol]

I opened my BoA Cash Rewards card about 7 months ago.  Put a few thousand $$$ on it every month and PIF every billing period.  Initial CL was $15K.  

I'm planning to request a CLI soon, but not sure what a good request would be... $20K or are they as 'generous' as AMEX and so I should request $25K?  I think I'll request at least $20K if it'll cost a hard pull.  

Also, I live in Seattle, WA and wondering if anyone knows what bureau they pull.  I just got my Equifax up to 803 (after a 7 year old 120+ late payment finally fell off) but 'only' 747 on Transunion (not really any idea bout Experian).  

[jsickz32]

Ask for higher cuz from personal experience they countered if they cant approve you for what you ask. Im pretty sure they pull TU for CLI

[CS800]

I would say ask for 25 and they will counter you with 18 or 20k.

More power if you get the full $25K

I initially got a $10K with BOA, called and asked for $20K and they gave me $15. YMMV ..good luck

[h4ldol]

Thanks for the advice folks.  I assume you are all referring to calling and speaking with a CSR for the CLI request?  It would be nice to avoid a HP but that seems unlikely nowadays with BoA.  Maybe I should wait a couple months for the 120+ late derog to drop off my TU report (already off my EQ a month or two earlier than expected). 

[migliogiorni]

All CLI's with BofA are HP's might be best to wait for those to fall off, GL.

[h4ldol]

Thanks for the info/advice.  I'll wait a couple months then.