Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
Re: Bank Of America credit line increase!

Scuba wrote:

Hi

 

I tried the same and twice I got a phone number to call in.  The first time I ignored it thinking they might give me a CLI automatically.  No increase.  4 weeks later I tried the CLI button again and got the same number to call in so I did this time,  They wanted to do a hard inquiry and I said NO.  I will spend ny inquiries with a CU that doesn't know me to get a CC vs a bank I have a credit history with.


You made the right decision.  No CLI is worth a FICO score decrease.  Afterall, it's not like we're going to use all the available credit on the card.