topic Re: Surprised-BOA luv button instant CLI in Credit Card Approvals

Surprised-BOA luv button instant CLI

Anonymous — Tue, 30 Oct 2012 19:17:58 GMT

Hey all

Just hit the luv button, doubled my credit limit from 3K to 6K. Pulled Transunion as usual. Thought i would get the "please call for an instant decision" and end up with a 4K to 5K limit overall. Especially since i last asked for an increase on july 7th(1.2K to 3K), so it hasn't even been 4 months, and i have a couple new accounts under 3 months old.

This is actually my third CLI from them in 6.5 months, the first one was in April when the card was still secured from 600 to 1.2K. So i guess this wait 6 months thing with them is definitely not a hard and fast rule. I definitely won't be trying to double up again anytime soon though, my income is still in the 30K's.

Re: Surprised-BOA luv button instant CLI

flowfaster — Tue, 30 Oct 2012 19:20:40 GMT

Congrats.

Re: Surprised-BOA luv button instant CLI

Epcot — Tue, 30 Oct 2012 19:25:51 GMT

Congrats on the CLI.

Re: Surprised-BOA luv button instant CLI

Anonymous — Tue, 30 Oct 2012 19:26:05 GMT

Congratz

Re: Surprised-BOA luv button instant CLI

gettnthere — Tue, 30 Oct 2012 20:35:16 GMT

Congrats!

Re: Surprised-BOA luv button instant CLI

CS800 — Tue, 30 Oct 2012 20:58:44 GMT

That's nice, surprised they pulled TU. They always pull EX for me.

Re: Surprised-BOA luv button instant CLI

Anonymous — Tue, 30 Oct 2012 21:26:18 GMT

they pulled EXP on application. all three cli's have been TU

Re: Surprised-BOA luv button instant CLI

Aspireto850 — Tue, 30 Oct 2012 22:52:33 GMT

Nice job...congrats.

I have a card with them that was opened in August and I want some luv!!! Where did you find the so called 'luv button'??????

Re: Surprised-BOA luv button instant CLI

Bay_Area_Joe — Tue, 30 Oct 2012 22:55:24 GMT

on 10-27 they pulled TU for my CLI, went from 2k to 8.3k. Took a hard pull though. My TU only had two INQ anyway.

I will take it, I asked for 6.3k, wished I asked for more, if i would have known they would HP.

Not bad since account was open 4-2012. I guess I could recon for more, any thoughts ?

Thanks

Re: Surprised-BOA luv button instant CLI

Anonymous — Tue, 30 Oct 2012 23:03:20 GMT

why ask for a weird increasae like 6.3K? I asked for a 3K increase figuring id get 1-2K. youve got 3 cards over 10K, why not try at least 9500 instead of 8300?

It's possible now that is been done theyll want to HP you again if you ask for more. Woudn't hurt to try a recon, but make to ask if its going to be another HP. if so, eject!

Re: Surprised-BOA luv button instant CLI

Anonymous — Tue, 30 Oct 2012 23:05:07 GMT

@Aspireto850 wrote:
Nice job...congrats.

I have a card with them that was opened in August and I want some luv!!! Where did you find the so called 'luv button'??????

Account Details tab. Should be right above your next closing date and right below your current Credit Limit.

Re: Surprised-BOA luv button instant CLI

Aspireto850 — Tue, 30 Oct 2012 23:45:45 GMT

YahComb,

Thanks. Is there a name for the 'luv button' or do i instant chat with a rep? I don't see anything under my credit limit.

Re: Surprised-BOA luv button instant CLI

Shogun — Tue, 30 Oct 2012 23:47:34 GMT

Nice job!

Re: Surprised-BOA luv button instant CLI

Anonymous — Wed, 31 Oct 2012 00:02:58 GMT

Congrats

Re: Surprised-BOA luv button instant CLI

migliogiorni — Wed, 31 Oct 2012 02:17:46 GMT

congrats.

Re: Surprised-BOA luv button instant CLI

dodgerslv — Wed, 31 Oct 2012 03:13:26 GMT

Congrats on the increases!...now have a question...when your card was secured and you got the limit increase, did u deposit more money for it or did they just added it without sending them money?

Re: Surprised-BOA luv button instant CLI

Anonymous — Wed, 31 Oct 2012 03:47:13 GMT

Boa is not like cap 1, there are no unsecured cli's on their secured product. It was a deposit i had to mail in since i don't bank with boa.

Re: Surprised-BOA luv button instant CLI

Bay_Area_Joe — Wed, 31 Oct 2012 03:55:35 GMT

to answer the previous question about why 6.3k ?

I was just looking at other credit lines. At the time my CITI was only 8.3k and Discover was 8.3k.

But I have been busy asking for CLI's at this time. Discover gave me 3k with only a soft and CITI gave me 2k with a soft.

I was trying to use the rationale that if I did not get matching 8.3k I would call to recon.

Well, after reading more on this forum, I decided to recon and the rep told me today that B of A can't use the same Credit Pull for two different requests. And that if I wanted more it would be another HP. Sucks I did not shoot for the moon.

This past few weeks are the first time I ever tried to get CLI's

I guess that 11.3k worth of CLI's with only one Hard Pull is not that bad.

I also called Wells today and asked for one and they said only Soft Pull and I guess we will see how much I get.

<<<<<<<<<<<<<<<<<<<<<THANK YOU FOR THIS FORUM>>>>>>>>>>

Re: Surprised-BOA luv button instant CLI

Strepthroat — Mon, 05 Nov 2012 21:55:12 GMT

applied for incease last night. got the 'we need to speak to you' response. didn't call because i know my reports are frozen. just logged into account, got the increase from 5,000 to 10,000.