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Tried BOA CLI on VIsa Signature

Contributor

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?

 

 

Message 1 of 15
14 REPLIES
Valued Contributor

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...

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 2 of 15
Contributor

Re: Tried BOA CLI on VIsa Signature

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

Message 3 of 15
Valued Contributor

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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Message 4 of 15
Contributor

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. 

Message 5 of 15
Valued Contributor

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 Smiley Happy

 

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
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 6 of 15
Valued Contributor

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 Smiley Wink )

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 7 of 15
Valued Contributor

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 Smiley Wink

Message 8 of 15
Valued Contributor

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 Smiley Wink )


+1 vish you are the best. Smiley Wink 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!

Message 9 of 15
Valued Contributor

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 Smiley Wink )


+1 vish you are the best. Smiley Wink 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 Smiley Wink

 

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

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 10 of 15