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.