topic Re: BOA CLI Online vs Phone in Credit Card Approvals

BOA CLI Online vs Phone

Marcos8 — Sun, 23 Nov 2014 21:34:03 GMT

Pulling the trigger tomorrow on a CLI on my Cash Rewards WMC thats been sitting at 8.4K since 2010. I'm expecting a hard on TU. Is there any difference in doing this online vs calling in? If I call in to request one do I call the number on my card or use a credit analyst backdoor number initially? Thanks

Re: BOA CLI Online vs Phone

Luscher — Sun, 23 Nov 2014 21:39:29 GMT

I would do it online, essentially it is the same thing. The computer makes the decision no matter what so its either you enter the number you want or the person on the phone enters it for you. I recommend online.

Re: BOA CLI Online vs Phone

Marcos8 — Sun, 23 Nov 2014 21:50:31 GMT

If I do this online in the morning around 9am EST can I expect an immediate answer or some 7-10 day message etc where i have to wait for some kind of answer? I know BOA does counter offers but does the online option give immediate option for a counter offer or do they just choose some number to their liking and assign me to it wether I like it or not? What other questions besides income do they ask? Thanks

Re: BOA CLI Online vs Phone

Marcos8 — Mon, 24 Nov 2014 18:13:37 GMT

Tookthe plunge this morning and received a CLI from 8.4 to 15.4. Not bad at all. Since the same HP is used for the next 30 days I will prob call and speak to someone about increasing the line a bit more...

I see backdoor numbers for Credit Analyst and Senior Credit Analyst which should I call? Thanks

Re: BOA CLI Online vs Phone

Anonymous — Tue, 25 Nov 2014 00:41:54 GMT

@Marcos8 wrote:
Tookthe plunge this morning and received a CLI from 8.4 to 15.4. Not bad at all. Since the same HP is used for the next 30 days I will prob call and speak to someone about increasing the line a bit more...

I see backdoor numbers for Credit Analyst and Senior Credit Analyst which should I call? Thanks

ask BOA to increase it to $100,000.00 , you deserve it

Re: BOA CLI Online vs Phone

coldnmn — Tue, 25 Nov 2014 02:04:12 GMT

Congrats! Thanks for sharing.

Re: BOA CLI Online vs Phone

uswala — Tue, 25 Nov 2014 02:08:22 GMT

@Luscher wrote:
I would do it online, essentially it is the same thing. The computer makes the decision no matter what so its either you enter the number you want or the person on the phone enters it for you. I recommend online.

I do not agree.

I asked for my CLI online from $1100 to $5000. It was a HP on TU and I got only $3300. Then I do not know why I called them 6 days after this CLI and asked an analyst that I was looking for $5000 and got only $3300. He siad let me have a look. He came back saying that he has raised it to $5000 and said you deserve it but the computer is conservative at times.

So, I will always suggest calling to others who might be thinking about it.

Re: BOA CLI Online vs Phone

uswala — Tue, 25 Nov 2014 02:08:37 GMT

@Marcos8 wrote:
Tookthe plunge this morning and received a CLI from 8.4 to 15.4. Not bad at all. Since the same HP is used for the next 30 days I will prob call and speak to someone about increasing the line a bit more...

I see backdoor numbers for Credit Analyst and Senior Credit Analyst which should I call? Thanks

Congrats!

Re: BOA CLI Online vs Phone

Anomalous — Tue, 25 Nov 2014 05:29:38 GMT

@Marcos8 wrote:
Tookthe plunge this morning and received a CLI from 8.4 to 15.4. Not bad at all. Since the same HP is used for the next 30 days I will prob call and speak to someone about increasing the line a bit more...

I see backdoor numbers for Credit Analyst and Senior Credit Analyst which should I call? Thanks

Congratulations on the CLI

Re: BOA CLI Online vs Phone

alvon123 — Tue, 25 Nov 2014 13:10:57 GMT

@Marcos8 wrote:
Tookthe plunge this morning and received a CLI from 8.4 to 15.4. Not bad at all. Since the same HP is used for the next 30 days I will prob call and speak to someone about increasing the line a bit more...

I see backdoor numbers for Credit Analyst and Senior Credit Analyst which should I call? Thanks

congrats