topic Re: CLIs Approved- Should I be asking for more? in Credit Card Approvals

CLIs Approved- Should I be asking for more?

Anonymous — Fri, 23 Aug 2013 01:24:17 GMT

Hi everyone,

I haven't posted in awhile, but I've still been checking in on the forums every couple of days.

Here is my current situation- I just finished graduate school and have been working full time for the last month or so. Previous income was ~12k. Current salary is 55k and total compensation is roughly in the low 60s. Consequently, I am in the process of increasing my cls to make them commensurate with my current income.

So far I went from 4>7.5k on discover with a soft, and from 2.1>8k on chase with an hp on ex. Both approvals were instant approvals for the full amount I asked for, rather than being countered. This leads me to believe that I probably could have gotten approved for larger clis.

So, my question is how much should I ask for from BofA? I was thinking maybe 10-12k. I realize that it will be an hp on tu but I am willing to accept that.

As for Amex- I don't think I will have any issues moving to 7.8k, I just have to wait about another month to be eligible.

Re: CLIs Approved- Should I be asking for more?

myjourney — Fri, 23 Aug 2013 00:55:17 GMT

Since it's a HP reach for the sky (CLI)

Re: CLIs Approved- Should I be asking for more?

djc1puno — Fri, 23 Aug 2013 00:56:44 GMT

+1 myjourney

Re: CLIs Approved- Should I be asking for more?

Rhaeny — Fri, 23 Aug 2013 00:57:13 GMT

@myjourney wrote:
Since it's a HP reach for the sky (CLI)

Ditto, always ask for more and let them tell you what they are willing to give if it is less.

Re: CLIs Approved- Should I be asking for more?

Anonymous — Fri, 23 Aug 2013 01:07:50 GMT

Welcome back Optimas! Congratulations on completing school and your CLI's! I would definitely ask for more than you want- its a Hp and you don't want to feel cheated.

Re: CLIs Approved- Should I be asking for more?

Anonymous — Fri, 23 Aug 2013 01:08:01 GMT

Thanks guys. The moon it is! I think it prudent to wait for discover and chase to report updated cls so it will probably be a couple of weeks before I fill out the form. Discover in particular takes forever. In my experience, they seem to like to skip reporting for a month or two following a cli, and usually update on the second statement following the cli.

One other question- I assume BofA will give me the option to keep the card as a platinum plus, rather than a visa sig?This way the cl will continue to report.

Re: CLIs Approved- Should I be asking for more?

Anonymous — Fri, 23 Aug 2013 01:10:44 GMT

If Discover takes too long, ask for a mid-cycle report. Yes, BoA will give you the option

Re: CLIs Approved- Should I be asking for more?

Anonymous — Fri, 23 Aug 2013 01:17:20 GMT

ok, thanks lexie.

Re: CLIs Approved- Should I be asking for more?

beech2292 — Fri, 23 Aug 2013 01:31:41 GMT

@Anonymous wrote:
If Discover takes too long, ask for a mid-cycle report. Yes, BoA will give you the option

I did this with Discover and they updated it the next day. I got a CLI from them and they hadn't reported it for 2 months so I sent them a secure message about it

Re: CLIs Approved- Should I be asking for more?

Anonymous — Sat, 24 Aug 2013 17:15:18 GMT

Update: Got a little impatient, and had discover push through a manual update. Backdoored TU to make sure it had posted and then put in a cli request through BofA. They didnt approve the full amount of my request, but countered with 9,100.

Defintely more than I need, so I am happy with it. Would have been nice if they could have came up to 5 figures though.

I'm sure they pulled TU, but I can't refresh CK for a couple more days and the tu backdoor is trying to charge me for an updated report.

edit- Does anybody know if they are going to contact me about coverting to a visa sig (I don't want to because I want the cl to report)? I suppose I could just take a wait and see approach on this one.

Re: CLIs Approved- Should I be asking for more?

Anonymous — Sat, 24 Aug 2013 19:14:41 GMT

Congrats on the CLI! I would call and ask about the siggy status