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Regular Contributor
Imua
Posts: 242
Registered: ‎01-17-2009

surprise CLI on existing acct after app/approval for new acct :)

i have had a BofA Gold Visa since mid- 2008.  My CL was $7900 after the first few months. Never asked for a CLI. Always PIF with exception of 3 months during this past summer when I paid off $3000+ over a 3 month period.

 

On 9/24 I app'd and was approved for BofA BankAmericard Cashrewards Visa Signature (CLI $10,000 w/ $100 CB after $500 in purchases duirng first 90 days).

 

When I went to BofA site this morning to pay my Gold Visa, I was pleasantly surprised to see a $1500 CLI on that acct to CL of $9,400 !!

(I checked and only have the one HP on EX for the new app)

 

:smileyvery-happy: 

 

BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ... Chase Freedom MC $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6k
myFICOs as of 9/28/12: TU=777.... EQ=793
Regular Contributor
ninjamike81
Posts: 198
Registered: ‎08-16-2012

Re: surprise CLI on existing acct after app/approval for new acct :)

cant beat that congrats

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU WALMART FICO 664 EX FICO 708 LENDER PULL 3/10/2013 EQ FICO 692
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $500, CHASE FREEDOM $1000, CITI SIMPLICITY $1200, DISCOVER MORE $1500, BBRZ $2200
Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: surprise CLI on existing acct after app/approval for new acct :)

congrats! moving up in this world :smileywink:

 

seems like a little reward for having such a large line. (just myt 2cents)

 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Established Contributor
migliogiorni
Posts: 582
Registered: ‎06-27-2012

Re: surprise CLI on existing acct after app/approval for new acct :)

congrats

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
New Contributor
jwduke
Posts: 84
Registered: ‎01-14-2012

Re: surprise CLI on existing acct after app/approval for new acct :)

Sounds great!!!



Starting Score: 675
Current Score: FICO- 758 (05/13/13)
Goal Score: 760+ All Three




Take the FICO Fitness Challenge

Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012

Re: surprise CLI on existing acct after app/approval for new acct :)

AWESOME!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Regular Contributor
Imua
Posts: 242
Registered: ‎01-17-2009

Re: surprise CLI on existing acct after app/approval for new acct :)


creditnocash wrote:

congrats! moving up in this world :smileywink:

 

seems like a little reward for having such a large line. (just myt 2cents)

 


that's one way to look at it...

but i look at it as i went from BofA extending me $7,900 worth of credit, to BofA now extending me $19,400 worth of credit :smileyhappy:

 

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

what's now in my wallet / CL:

Chase Freedom MC  $6,000

Macy's store  $1,500

Macy's Amex  $5,000

Sam's Club $2,300

BofA Gold Visa $9,400

BofA BankAmericard cashback rewards Visa sig $10,000

 

 

 

BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ... Chase Freedom MC $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6k
myFICOs as of 9/28/12: TU=777.... EQ=793
Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: surprise CLI on existing acct after app/approval for new acct :)

I see your point but I was just talking about the 100 cash back
Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Mega Contributor
LS2982
Posts: 14,437
Registered: ‎04-09-2011

Re: surprise CLI on existing acct after app/approval for new acct :)

Very nice!! CONGRATS!!!
Possible they used that HP for an account review on your gold.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Regular Contributor
Imua
Posts: 242
Registered: ‎01-17-2009

Re: surprise CLI on existing acct after app/approval for new acct :)


creditnocash wrote:
I see your point but I was just talking about the 100 cash back

oh :smileyhappy:

that's the only reason i applied for the Cashrewards card, after loggin onto BofA site and seeing that offer (along with the cashrewards, especially 3% for gas.... knowing that as of October, Chase Freedom's 5% gas category was gone for at this quarter.)

BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ... Chase Freedom MC $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6k
myFICOs as of 9/28/12: TU=777.... EQ=793

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