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Will BOA give me a good SL?

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AverageJoesCredit
Legendary Contributor

Re: Will BOA give me a good SL?

Remember GHS, if you do apply and get a low sl dont sweat it, you are just going to set up the foundation for your future relationship with Boa. Itll grow . Being that you're in college, you should have a good job in the near future so if you get a card now , in a couple years youll have the history and the better income to get your big cli'sSmiley Happy
Message 11 of 18
Anonymous
Not applicable

Re: Will BOA give me a good SL?


@AverageJoesCredit wrote:
Remember GHS, if you do apply and get a low sl dont sweat it, you are just going to set up the foundation for your future relationship with Boa. Itll grow . Being that you're in college, you should have a good job in the near future so if you get a card now , in a couple years youll have the history and the better income to get your big cli'sSmiley Happy

That's the goal Smiley Happy As always, thank you for the kind words AJC

Message 12 of 18
Anonymous
Not applicable

Re: Will BOA give me a good SL?

Does anybody know if UW is different for branch vs. online?

Message 13 of 18
Anonymous
Not applicable

Re: Will BOA give me a good SL?

They only gave 2k to start with this past Jan............. 8 months later still no automatic increase, just a request link HP CLI, that showed up last month.
Message 14 of 18
Subexistence
Established Contributor

Re: Will BOA give me a good SL?

They gave me $1,100 on my BBR when my Ex was 722. My history was like 7 months.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


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History of my credit
Message 15 of 18
AverageJoesCredit
Legendary Contributor

Re: Will BOA give me a good SL?

With some banks waiting for auto luv is like waiting for Santa in JulySmiley Wink, Probably isnt going to happen but on occassion, someone, somewhere has a Christmas in July specialSmiley Happy
Message 16 of 18
noobody
Established Contributor

Re: Will BOA give me a good SL?

BoA declined my cli request with 780CL for lack of usage.
They gave me 150 credit for NOT using their card for Several month last year.
5k SL from 2006, still 5000 today.
Most people here have better luck with BOA than me.
EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
Message 17 of 18
K-in-Boston
Credit Mentor

Re: Will BOA give me a good SL?


@noobody wrote:
BoA declined my cli request with 780CL for lack of usage.
They gave me 150 credit for NOT using their card for Several month last year.
5k SL from 2006, still 5000 today.
Most people here have better luck with BOA than me.

When was the last time you swiped it or had a balance transfer on it?  I suppose if it hasn't been used at all, there's no reason in their eyes to give you more.  With the exception of my new Cash Rewards card, none of my BOA cards have seen a swipe or haven't seen a swipe in at least a decade - but they keep handing me more credit when I do BTs.

Message 18 of 18
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