Epic Contributor
Posts: 22,043
Registered: ‎10-23-2007

Re: Tips for BofA CLI?

This isn't even your number one card and you don't need it by the other 3 banks that have given you the cl you deserve and have earned.... If Bank of America doesn't see that then you don't need them therefore you should not delay what you deserve... INQ are still going to be there in 2 months and you don't have that many and BofA doesn't really care that much atleast based on my partners approval after being declined USBank for new accounts.

I wouldnt bother transferring all the money either.... this is probably going to be instant in the end when you do it and then all this time and thought is going to be really stressful for nothing :smileytongue:

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013

Re: Tips for BofA CLI?

flyingpenguin wrote:

Thanks guys. Since my inquiries on EX are very recent (Feb and Apr), I think I'll wait like 2 months, then request a CLI of $10k. Although maybe I'll get impatient and do it earlier than that. 


One more question. I have checking and savings accounts with BofA. Would it make any difference if I transferred a bunch of money to them before asking for the CLI? lol. I imagine it would only possibly make a difference on a manual review.

If your util is low now, go for it now. No need to wait.


Transferring money to your checking/savings at the last minute will not help much. BofA, Citi, Wells Fargo and Chase looks at your average daily balance as a metric, not current balance.


JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+