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When should i request a CLI with BOFA

Valued Contributor

When should i request a CLI with BOFA

My BOFA card just unsecured i was thinking i should heavily use my card paying it off in full each month then request a CLI 6 months from now. Does that sound about right?


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 1 of 13
12 REPLIES
Valued Contributor

Re: When should i request a CLI with BOFA

Bump...

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 2 of 13
Valued Contributor

Re: When should i request a CLI with BOFA

I would say atleast 6 months. I've seen a few recent reports that after people hit the CLI button they got a CLD. So be very careful. I know it's hard not to want to go after it and you get itchy waiting but with the way the current climate is just try to hold tight. Sit onyour hands if you need to!!
Message 3 of 13
Valued Contributor

Re: When should i request a CLI with BOFA


UpUpUp wrote:
I would say atleast 6 months. I've seen a few recent reports that after people hit the CLI button they got a CLD. So be very careful. I know it's hard not to want to go after it and you get itchy waiting but with the way the current climate is just try to hold tight. Sit onyour hands if you need to!!

Well i just received an increase when my card unsecured so i can wait 6 months before i hit the luv button.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 4 of 13
Regular Contributor

Re: When should i request a CLI with BOFA

I had a 99/500 that unsecured with no CLI.  I requested one, and was denied. 

 

I had it for 9 months, never paid late, and kept my util low.  What gives?  I thought the CLI was automatic.

August 6, 2008 EQ- 428 EX- 440 TU- 471
December 9, 2008 EQ- 501 EX- 503 TU- 513
March 16,2009 EQ- 554 EX- 565(FAKO) TU- 575
April 17, 2009 EQ- 570 EX- ??? TU- 565
August 13, 2009 EQ-622 EX-??? TU-627
LOAN OFFICER SCORES August 17, 2009 EQ-622 EX-652 TU-640
Message 5 of 13
Moderator Emerita

Re: When should i request a CLI with BOFA

+1. The game has definitely changed with BoA, so a bit of patience will be the order of the day, it seems. I think that the general rule of thumb used to be CLI requests after 4 months, but with their recent wave of AA, I'm thinking 6 months is a safer bet these days.

 


UpUpUp wrote:
I would say atleast 6 months. I've seen a few recent reports that after people hit the CLI button they got a CLD. So be very careful. I know it's hard not to want to go after it and you get itchy waiting but with the way the current climate is just try to hold tight. Sit onyour hands if you need to!!

 

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Message 6 of 13
Moderator Emerita

Re: When should i request a CLI with BOFA

The CLI is definitely not automatic when the card unsecures. I didn't get a CLI when my (fully) secured card unsecured with a 2k limit. Nothing, nada, zippo did I get, for another couple of years. My card was used heavily, and PIFd. It wasn't until I really cleaned up my credit, and got a product change that BoA started to luv me.

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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 7 of 13
Valued Contributor

Re: When should i request a CLI with BOFA

Well wish me luck as far as CLI in the future.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 8 of 13
Regular Contributor

Re: When should I request a CLI with BOFA


mjbfan79 wrote:
Well wish me luck as far as CLI in the future.

My 99/500 unsecured on Tuesday.  I called and was a few days short but they went ahead and graduated it anyway.  I received the cli of $500 immediately but I also plan to wait atleast 6 months before I click that button!

 

Did you do a product change or leave it as the platinum plus?

Message 9 of 13
Valued Contributor

Re: When should I request a CLI with BOFA


msheresy wrote:

Did you do a product change or leave it as the platinum plus?


Yes i did a PC i was told it takes a few weeks to process.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 10 of 13