topic Re: Random CLI on BoA Secured in Credit Card Approvals

Random CLI on BoA Secured

laurenjessica — Sat, 19 Dec 2015 15:41:26 GMT

I just logged into my BoA account to check on my balance and to see if some transactions posted. I was really confused when I saw that my CL is all of a sudden $100 higher! Went from $300 (my initial deposit) to $400!!! It's not much, but it's a secured card and I've never seen this happen before, nor have I read about it on the forums (at least not with BoA).

Guess they think I'm doing something right. Just thought about it and I am 6 months in with this card. Maybe they'll even surprise me with early graduation

Re: Random CLI on BoA Secured

Anonymous — Sat, 19 Dec 2015 15:41:51 GMT

Congrats!

Re: Random CLI on BoA Secured

Anonymous — Sat, 19 Dec 2015 16:07:36 GMT

Congrats

Re: Random CLI on BoA Secured

pizza1 — Sat, 19 Dec 2015 16:36:08 GMT

Thats really nice! Congrats to you! I would love to have a card with them.

Re: Random CLI on BoA Secured

Anonymous — Sat, 19 Dec 2015 17:43:44 GMT

Congratulations, that is fantastic! You're off to a very good start with them.

Re: Random CLI on BoA Secured

B335is — Sat, 19 Dec 2015 17:45:04 GMT

Congrats!

Re: Random CLI on BoA Secured

alextercero — Sat, 19 Dec 2015 23:16:40 GMT

Congrats

Re: Random CLI on BoA Secured

Anonymous — Sun, 20 Dec 2015 04:44:17 GMT

@ljthomas wrote:
I just logged into my BoA account to check on my balance and to see if some transactions posted. I was really confused when I saw that my CL is all of a sudden $100 higher! Went from $300 (my initial deposit) to $400!!! It's not much, but it's a secured card and I've never seen this happen before, nor have I read about it on the forums (at least not with BoA).

Guess they think I'm doing something right. Just thought about it and I am 6 months in with this card. Maybe they'll even surprise me with early graduation

Congrats, I never read about that happening before either.

I had a B of A 99/500 graduate after six months but did not receive a CLI yet, about one month past graduation now.

I was making at least two payments per month on my account, a couple times it was 4 payments, and I always PIF at least two days before due date and stayed at zero until the day after the statement was cut.

I think it also helps if your scores improve (meaning your profile improved) from the time you opened the secured account.

Re: Random CLI on BoA Secured

laurenjessica — Sun, 20 Dec 2015 07:48:02 GMT

I mainly am just using it for groceries and gas. Max it out and pay it off. Guess they like that activity.

Thanks for the well wishes everyone!!!

Re: Random CLI on BoA Secured

Anonymous — Sun, 20 Dec 2015 15:22:35 GMT

Well done, congrats

Re: Random CLI on BoA Secured

Anonymous — Sun, 20 Dec 2015 15:49:13 GMT

BoA is indeed random and super stingy.

Re: Random CLI on BoA Secured

newhis — Sun, 20 Dec 2015 15:59:27 GMT

@ljthomas wrote:
I just logged into my BoA account to check on my balance and to see if some transactions posted. I was really confused when I saw that my CL is all of a sudden $100 higher! Went from $300 (my initial deposit) to $400!!! It's not much, but it's a secured card and I've never seen this happen before, nor have I read about it on the forums (at least not with BoA).

Guess they think I'm doing something right. Just thought about it and I am 6 months in with this card. Maybe they'll even surprise me with early graduation

Congrats. Maybe they graduated you. Please confirm in the next few days.

If they didn't, then this is in fact the first time I read about an autoCLI on a BofA secured card.

Re: Random CLI on BoA Secured

laurenjessica — Sun, 20 Dec 2015 17:54:01 GMT

@Anonymous wrote:
BoA is indeed random and super stingy.

I would not say this was stingy. It's a secured card! I'll take any sord of unsecured credit they want to offer me lol.

Re: Random CLI on BoA Secured

laurenjessica — Sun, 20 Dec 2015 17:54:55 GMT

@newhis wrote:
@ljthomas wrote:
I just logged into my BoA account to check on my balance and to see if some transactions posted. I was really confused when I saw that my CL is all of a sudden $100 higher! Went from $300 (my initial deposit) to $400!!! It's not much, but it's a secured card and I've never seen this happen before, nor have I read about it on the forums (at least not with BoA).

Guess they think I'm doing something right. Just thought about it and I am 6 months in with this card. Maybe they'll even surprise me with early graduation

Congrats. Maybe they graduated you. Please confirm in the next few days.

If they didn't, then this is in fact the first time I read about an autoCLI on a BofA secured card.

I hope they didn't graduate me with that kind of line, but I suppose that's all my scores would warrant. I'll keep the thread posted. So far I haven't heard anything.

Re: Random CLI on BoA Secured

newhis — Mon, 21 Dec 2015 06:17:46 GMT

@ljthomas wrote:
I hope they didn't graduate me with that kind of line, but I suppose that's all my scores would warrant. I'll keep the thread posted. So far I haven't heard anything.

Do you have checking/savings with them? They didn't increase the limit on my DW's card, so I don't know if they took several days from the auto graduation until she got the money into her BoA checking account. I guess if they are going to send a check it will take more time.

Thank you.

Re: Random CLI on BoA Secured

Anonymous — Mon, 21 Dec 2015 06:30:24 GMT

Congratulations! Keep up the positive progress!

Re: Random CLI on BoA Secured

laurenjessica — Mon, 21 Dec 2015 07:08:03 GMT

@newhis wrote:
@ljthomas wrote:
I hope they didn't graduate me with that kind of line, but I suppose that's all my scores would warrant. I'll keep the thread posted. So far I haven't heard anything.
Do you have checking/savings with them? They didn't increase the limit on my DW's card, so I don't know if they took several days from the auto graduation until she got the money into her BoA checking account. I guess if they are going to send a check it will take more time.

Thank you.

I don't have checking/savings with them at all. So I'd be waiting on a check. May take awhile. I will update if anything happens.

Re: Random CLI on BoA Secured

Anonymous — Mon, 21 Dec 2015 10:37:46 GMT

Congrats!

Re: Random CLI on BoA Secured

OmarGB9 — Mon, 21 Dec 2015 16:00:13 GMT

Grats