Luv Buttons - inquiry free increases at any of the big banks (Citi-Cards, Chase, BOA)

[Itsmeagain]

Just got a BoA CLI - 10k to 12.5k with no hard pull.  But, I didn't use the luv button.  I never do because I want the CSR to tell me if a hard inquiry is required.  In fact, within the last 13 mo. I have had three CLI's from BoA starting at 5k, to 7.5k, to 10k, to 12.5k.  Never a hard pull.

I have a 16 mo. 0% BT with them.  I always pay at least 5x the min. payment.  I suppose that helps.

They also soft pull EQ fairly regularly (once every 2-3 mo.)

I have never had a problem with them.  Always get a courteous, knowledgeable CSR.

Hmmmmm . . . I'm beginning to sound like a BoA commercial . . . . . 

[DI]

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@Itsmeagain wrote:

Just got a BoA CLI - 10k to 12.5k with no hard pull.  But, I didn't use the luv button.  I never do because I want the CSR to tell me if a hard inquiry is required.  In fact, within the last 13 mo. I have had three CLI's from BoA starting at 5k, to 7.5k, to 10k, to 12.5k.  Never a hard pull.

I have a 16 mo. 0% BT with them.  I always pay at least 5x the min. payment.  I suppose that helps.

They also soft pull EQ fairly regularly (once every 2-3 mo.)

I have never had a problem with them.  Always get a courteous, knowledgeable CSR.

Hmmmmm . . . I'm beginning to sound like a BoA commercial . . . . . 

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Congrats!  Citi is still telling me I have too many new accounts as the reason for no CLI's.  I'm stuck at $4k.

Message Edited by DI on 02-05-2010 09:37 AM

[smallfry]

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@Uborrow-Upay wrote:

Congrats, DougH!

RE: Citi card:

That "luv button" in the tools dropdown menu should show up every 90 days, like clockwork.  But if a form appears when you click it, do not fill it in, just close the window.  It would be a hard inquiry with the form, as others have said.

Otherwise, try it out every 90 days.  It has never failed for me.

Message Edited by Uborrow-Upay on 02-04-2010 12:17 PM

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Yep. Every 90 days. Just got another CLI this morning. The card is now high enough to be very respectable yet not so high that I feel obliged to use it every month. Citi is my fav big bank.

[DI]

Mines appeared and never went away. 

[Anonymous]

What are "luv buttons" ?

[Itsmeagain]

I would explain but the mods would just delete it . . . .

[haulingthescoreup]

Oh, shoot, we would not!

So-called "luv buttons" are links on your online account that allow you to request a CLI on your card.