09-21-2012 12:57 AM
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).
09-21-2012 07:03 AM
09-21-2012 07:41 AM
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
09-21-2012 09:51 AM
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).
09-21-2012 12:26 PM
All CLI's with BofA are HP's might be best to wait for those to fall off, GL.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.