Would I be crazy to ask for another?

[2FixMyCredit]

I am debating on asking for another CLI on my BOA card, I've gotten two in the last three months and use the heck out of it.  I am not 100% sure yet if I want to request another or not.   I think I need an intervention. hahah

[Shock_]

did you the 2 from AUTO CLI? if you asked them, did they require HP's? If you just got the card, and initiated 2 CLKI requests, thats 3 HP's total..if thats the case..I'd cool it.

[lg8302ch]

I would wait...they might show you some auto luv...but that is just me

[Bsong]

---

@2FixMyCredit wrote:

I am debating on asking for another CLI on my BOA card, I've gotten two in the last three months and use the heck out of it.  I am not 100% sure yet if I want to request another or not.   I think I need an intervention. hahah

---

If you dont mind a new hard pull on your report... Why Not??? They will tell you if you have reached the max credit they will allow based on your credit report and income.  

I have 2 cards with BoA with a total CL of $30k. I have only had their cards since April of this year. 

[Shock_]

---

@Bsong wrote:

---

@2FixMyCredit wrote:

I am debating on asking for another CLI on my BOA card, I've gotten two in the last three months and use the heck out of it.  I am not 100% sure yet if I want to request another or not.   I think I need an intervention. hahah

---

If you dont mind a new hard pull on your report... Why Not??? They will tell you if you have reached the max credit they will allow based on your credit report and income.  

I have 2 cards with BoA with a total CL of $30k. I have only had their cards since April of this year. 

---

how many HP's to get to your current limits??

[2FixMyCredit]

I don't have any inquiries on my TU and that is the CRA they use to do increases.  I've had the card since March-ish of this year.

[myjourney]

---

@2FixMyCredit wrote:

I am debating on asking for another CLI on my BOA card, I've gotten two in the last three months and use the heck out of it.  I am not 100% sure yet if I want to request another or not.   I think I need an intervention. hahah

---

How long have you had the card because 2 HP's in 3 months that you have to live with for 2 years Ouch 

And your thinking of a 3rd HP....

Depending on when you got the card possible 3 HP's that's a lot for one product

Those HP's IMHO could have been used for other products on your list if you have others.

[coldnmn]

IMHO garden for at least 6 months!

[Shock_]

Hard pulls mean nothing if you are going to garden for a while anyways. if that's the case, at least you are comfortable with your limits and know that you wont be apping for anything anytime soon...and also not getting a car or home loan. 

Hard Pulls diminish with time...and as I said..if you will be gardening for a while...your Fico score shouldnt really matter until you're ready to app for another card, car loan, or home loan.

[2FixMyCredit]

The two increases I got only took one HP but I currently have NO hp's on my TU report.  It is clean at the moment.  Honestly I don't want any other CC's at the moment, I want the ones I have to grow, namely Walmart, Sams, BOA and Barclay.  

I think I'm going to wait!