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

Frequent Contributor

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)

 

Smiley Very Happy 

 


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 1 of 10
9 REPLIES
Regular Contributor

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: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 2 of 10
Valued Contributor

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

congrats! moving up in this world Smiley Wink

 

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

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 10
Established Contributor

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

congrats

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 4 of 10
Regular Contributor

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

Sounds great!!!



Starting Score: 675
Current Score: FICO- 777 (04/11/16)
Goal Score: 780+ All Three




Take the FICO Fitness Challenge

Message 5 of 10
Established Contributor

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 Smiley Wink
Message 6 of 10
Frequent Contributor

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


creditnocash wrote:

congrats! moving up in this world Smiley Wink

 

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 Smiley Happy

 

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

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 visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 7 of 10
Valued Contributor

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 10
Mega Contributor

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.



EQ FICO 548 3/3/16
Message 9 of 10
Frequent Contributor

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 Smiley Happy

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 visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 10 of 10