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WOW! BoA CLI

Moderator Emerita

WOW! BoA CLI

I just logged in to do my daily AA paranoia check of all my accounts, and had to do a double-take. I got a 3k CLI from BoA to hit 10k! UNSOLICITED! This credit gardening is really starting to pay off!

 

So, here's the rundown for the interested:

 

  • On average I charge 2 to 3k per month and PIF. I NEVER carry a balance.
  • I use the card a LOT- almost daily.
  • It's my 'every day' card that I use for gas, groceries, cell phone, insurance, clothes, etc...
  • I make two payments per month (one just before the due date to guarantee no finance charges for the next month & one just before the statement close date to get a zero balance to report)
  • I have checking, savings, and CD accounts with BoA
  • My FICO scores are hanging steady in the low-to-mid 700s

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 1 of 9
8 REPLIES
Established Contributor

Re: WOW! BoA CLI

Congrats !!! . . . How long since your last unsolicited CLI?  Or have you ever had one before?

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
Message 2 of 9
Moderator Emeritus

Re: WOW! BoA CLI

WTG!
Message 3 of 9
Moderator Emerita

Re: WOW! BoA CLI

My last unsolicited CLI was in January, right around the annual anniversary for getting that card.


Itsmeagain wrote:
Congrats !!! . . . How long since your last unsolicited CLI?  Or have you ever had one before?

 

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 4 of 9
Frequent Contributor

Re: WOW! BoA CLI

Congrats!!! That must feel really good.

Starting Score: 670 EQ and 674 TU
Current Score: 670 EQ and 674 TU
Goal Score: 750 both EQ and TU


Take the FICO Fitness Challenge
Message 5 of 9
Established Contributor

Re: WOW! BoA CLI


LilMirth wrote:

I just logged in to do my daily AA paranoia check of all my accounts


LOL Congrats on the cli....

Message 6 of 9
Valued Member

Re: WOW! BoA CLI

I just hit the CLI button on the BOA homepage.  It went from 2.5k to 5k.  It was a soft pull as well.  Congrats on getting to 5 figures also.
Message 7 of 9
Senior Contributor

Re: WOW! BoA CLI

WTG!  congrats!
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 8 of 9
Highlighted
Frequent Contributor

Re: WOW! BoA CLI


LilMirth wrote:

I just logged in to do my daily AA paranoia check of all my accounts, and had to do a double-take. I got a 3k CLI from BoA to hit 10k! UNSOLICITED! This credit gardening is really starting to pay off!

 

So, here's the rundown for the interested:

 

  • On average I charge 2 to 3k per month and PIF. I NEVER carry a balance.
  • I use the card a LOT- almost daily.
  • It's my 'every day' card that I use for gas, groceries, cell phone, insurance, clothes, etc...
  • I make two payments per month (one just before the due date to guarantee no finance charges for the next month & one just before the statement close date to get a zero balance to report)
  • I have checking, savings, and CD accounts with BoA
  • My FICO scores are hanging steady in the low-to-mid 700s

I also make that 1st payment just in case I forget or can't make the 2nd one.

TransUnion/Equifax
746/754
Date: 9/24/2009/10/02/2009
Message 9 of 9