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Contributor
mahendra82
Posts: 95
Registered: ‎05-10-2008
0

Tried BOA CLI on VIsa Signature

I clicked on the CLI button and left the amount requested blank. I got the dreaded "call us now for a decision" message. :-( 

 

I've had the card for 6 months now, and I've always paid in full. My usage ranges from 1k to 3.5k per month over the past half year. 

 

Any advice?

 

 

Valued Contributor
android01
Posts: 1,226
Registered: ‎09-22-2009
0

Re: Tried BOA CLI on VIsa Signature

Do you know if you had a soft or hard pull, and from which CRA?  I've heard BOA is doing hard pulls for CLI these days...

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Contributor
mahendra82
Posts: 95
Registered: ‎05-10-2008
0

Re: Tried BOA CLI on VIsa Signature

No hard pull - they softed EX though (checked through backdoor). 

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Tried BOA CLI on VIsa Signature

I'm not familiar with the BoA Visa (I don't have one) is that message you received usually mean "decline"?

 

Did you call them?


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mahendra82
Posts: 95
Registered: ‎05-10-2008
0

Re: Tried BOA CLI on VIsa Signature

They are close right now so I really can't call them. I'm not sure if it's a decline, but I'm not optimistic. 

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Tried BOA CLI on VIsa Signature

 


mahendra82 wrote:

They are close right now so I really can't call them. I'm not sure if it's a decline, but I'm not optimistic. 


 

Have a little faith :smileyhappy:

 

I will be hoping for you, let us know the outcome.

 

Wishing you the Best!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
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Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Tried BOA CLI on VIsa Signature

 


mahendra82 wrote:

They are close right now so I really can't call them. I'm not sure if it's a decline, but I'm not optimistic. 


 

It's not a decline for sure. I got the same message, called back and they asked me why did I need a CLI, I told them that I was going to take a european vacation and would prefer to use only my BofA card. My CL was 7500 and I had asked for 15000, she said, she can give me only 10,000 and I said done. I called up again 2-3 days later to lower my apr from 18.99 to 0 which she declined but made it 13.99   I dont carry a balance but wanted to get a low apr just to feel good.

 

In your case, as you said, you have never paid late, I am pretty sure you will have no problem getting a good CLI. Just keep a reason handy. (If you dun like europe, you can travel to vegas :smileywink: )

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
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EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008
0

Re: Tried BOA CLI on VIsa Signature

I did the same thing last Sunday. Requested a CLI with BoA and left the amount blank. Got the message to call them but I didn't. They called Monday and I ignored. Tuesday they called and I reluctantly picked up . Spoke to a very nice lady (who seemed nervous, maybe she was new) and I told her I'd like to take advantage of a BT since my plain old Platinum Plus MC is fixed at 9.99%. She asked which card I'd be interested in transferring from, yada yada yada, she said she could increase me to 10,000 and my other FIA issued card with a line of  13,000 would be left untouched. I was all like 'sweet' and that was that. The kicker, my Bank of America limit was $500. Yep, that's right kids, a 9500 increase. See my thread: http://ficoforums.myfico.com/t5/Credit-Cards/Meh/m-p/902898#M261487

 

When they call you tomorrow, don't be afraid to pick up the phone :smileywink:

Valued Contributor
scottwagnon
Posts: 1,350
Registered: ‎02-07-2010
0

Re: Tried BOA CLI on VIsa Signature


vish1 wrote:

 


mahendra82 wrote:

They are close right now so I really can't call them. I'm not sure if it's a decline, but I'm not optimistic. 


 

It's not a decline for sure. I got the same message, called back and they asked me why did I need a CLI, I told them that I was going to take a european vacation and would prefer to use only my BofA card. My CL was 7500 and I had asked for 15000, she said, she can give me only 10,000 and I said done. I called up again 2-3 days later to lower my apr from 18.99 to 0 which she declined but made it 13.99   I dont carry a balance but wanted to get a low apr just to feel good.

 

In your case, as you said, you have never paid late, I am pretty sure you will have no problem getting a good CLI. Just keep a reason handy. (If you dun like europe, you can travel to vegas :smileywink: )


+1 vish you are the best. :smileywink: not only did you inadvertently give me advise on how to succeed on the cli's but you do it exactly the way i would do it and have the same motivations in it too. not only did you take care of the cli, you were smart enough to take care of the APR as well! HAHA! you know you can travel the world in VEGAS!

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Tried BOA CLI on VIsa Signature

 


scottwagnon wrote:

vish1 wrote:

 


mahendra82 wrote:

They are close right now so I really can't call them. I'm not sure if it's a decline, but I'm not optimistic. 


 

It's not a decline for sure. I got the same message, called back and they asked me why did I need a CLI, I told them that I was going to take a european vacation and would prefer to use only my BofA card. My CL was 7500 and I had asked for 15000, she said, she can give me only 10,000 and I said done. I called up again 2-3 days later to lower my apr from 18.99 to 0 which she declined but made it 13.99   I dont carry a balance but wanted to get a low apr just to feel good.

 

In your case, as you said, you have never paid late, I am pretty sure you will have no problem getting a good CLI. Just keep a reason handy. (If you dun like europe, you can travel to vegas :smileywink: )


+1 vish you are the best. :smileywink: not only did you inadvertently give me advise on how to succeed on the cli's but you do it exactly the way i would do it and have the same motivations in it too. not only did you take care of the cli, you were smart enough to take care of the APR as well! HAHA! you know you can travel the world in VEGAS!


 

Whatever happens in vegas stays in vegas :smileywink:

 

They say, if you know how to travel in vegas, you don't need to travel the world...

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)

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