topic Re: BOA 15k CLI Success in Credit Card Approvals

BOA 15k CLI Success

Cred4All — Sun, 29 Mar 2020 01:51:54 GMT

Previous Limit: 75k

New Limit: 90k

Upgrade history has been 2k > 12k > 21k > 35k > 55k>75k>90k

Re: BOA 15k CLI Success

AllZero — Sun, 29 Mar 2020 01:53:50 GMT

Congratulations on your CLI!

Re: BOA 15k CLI Success

coreyb80 — Sun, 29 Mar 2020 01:56:39 GMT

Congrats on the CLI!

Re: BOA 15k CLI Success

M_Smart007 — Sun, 29 Mar 2020 02:00:47 GMT

Congrats!

Re: BOA 15k CLI Success

Anonymous — Sun, 29 Mar 2020 02:02:16 GMT

@Cred4All wrote:
... Upgrade history has been 2k > 12k > 21k > 35k > 55k>75k>90k

Spectacular progress -- Congrats! How long has that taken?

Re: BOA 15k CLI Success

M_Smart007 — Sun, 29 Mar 2020 02:02:47 GMT

@Cred4All ... As a Dp, could you give the rough date you opened your BoA card?

Re: BOA 15k CLI Success

Cred4All — Sun, 29 Mar 2020 02:13:37 GMT

@M_Smart007 wrote:
@Cred4All ... As a Dp, could you give the rough date you opened your BoA card?

Absolutely... I had to dig for that one. I received the Travel Rewards card in October, 2015 w/ an initial starting limit of 2k. No other previous relationship prior to applying for this card.

@James... great question. My very first CLI on this card, only after joining this phenomal community was in September, 2018 when it went from $2k to $12k as posted here https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BOA-Travel-Rewards-CLI-10k-by-Phone/m-p/5363782#M561167

Re: BOA 15k CLI Success

nuohlac — Sun, 29 Mar 2020 02:17:54 GMT

Congratulations on your CLI!!!

Re: BOA 15k CLI Success

EverForward — Sun, 29 Mar 2020 04:16:42 GMT

Congratulations, very nice CLI and progression history!!!

Re: BOA 15k CLI Success

seattletravels — Sun, 29 Mar 2020 12:46:55 GMT

@Cred4All wrote:
@M_Smart007 wrote:
@Cred4All ... As a Dp, could you give the rough date you opened your BoA card?
Absolutely... I had to dig for that one. I received the Travel Rewards card in October, 2015 w/ an initial starting limit of 2k. No other previous relationship prior to applying for this card.

@James... great question. My very first CLI on this card, only after joining this phenomal community was in September, 2018 when it went from $2k to $12k as posted here https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BOA-Travel-Rewards-CLI-10k-by-Phone/m-p/5363782#M561167

Wow! So since Sept 2018, the card has grown from $2k to $90k? Unreal.

Re: BOA 15k CLI Success

Anonymous — Sun, 29 Mar 2020 12:47:19 GMT

Congratulations on your CLI! 👍

Re: BOA 15k CLI Success

newfossil — Sun, 29 Mar 2020 12:56:38 GMT

Congratulations!!!

Re: BOA 15k CLI Success

Cred4All — Sun, 29 Mar 2020 13:37:42 GMT

@seattletravels wrote:
@Cred4All wrote:
@M_Smart007 wrote:
@Cred4All ... As a Dp, could you give the rough date you opened your BoA card?
Absolutely... I had to dig for that one. I received the Travel Rewards card in October, 2015 w/ an initial starting limit of 2k. No other previous relationship prior to applying for this card.

@James... great question. My very first CLI on this card, only after joining this phenomal community was in September, 2018 when it went from $2k to $12k as posted here https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BOA-Travel-Rewards-CLI-10k-by-Phone/m-p/5363782#M561167
Wow! So since Sept 2018, the card has grown from $2k to $90k? Unreal.

I pretty much feel the same way... had I not learned what I did here (Late bloomer I suppose) it definitely could be a different story.

Re: BOA 15k CLI Success

AverageJoesCredit — Sun, 29 Mar 2020 13:40:33 GMT

Congrats @Cred4All Banks normally take care of their profitable cardholders

Re: BOA 15k CLI Success

Cred4All — Sun, 29 Mar 2020 13:51:27 GMT

@AverageJoesCredit wrote:
Congrats @Cred4All Banks normally take care of their profitable cardholders

Thanks AJC! I'm sure they've profited from some of my ridiculous wish list spending indeed... or was it those 17k bottles of sanitizer? I kid. I kid.

Re: BOA 15k CLI Success

Blazon — Sun, 29 Mar 2020 16:45:33 GMT

Hugh Kudos. Very impressive CL increases with BOA over the past five years. I'm working on getting CLI for my existing cards, and I would like to learn from folks like yourself. How much do you spend each month with this card (e.g., % of spending limit)? Do you pay it off in full each month? Thank you for sharing.

Re: BOA 15k CLI Success

Openwater — Sun, 29 Mar 2020 16:52:11 GMT

Congrats on the CLI. My highest cards are at 22K. I don't really request CLI because I don't know if they would continue to approve without documentation.

Re: BOA 15k CLI Success

19eighty5 — Sun, 29 Mar 2020 20:11:50 GMT

Congratulations!

Re: BOA 15k CLI Success

Anonymous — Sun, 29 Mar 2020 20:18:29 GMT

Amazing CLI! Congratulations! 👍🏼

Re: BOA 15k CLI Success

Cred4All — Sun, 29 Mar 2020 22:17:20 GMT

@Blazon wrote:
Hugh Kudos. Very impressive CL increases with BOA over the past five years. I'm working on getting CLI for my existing cards, and I would like to learn from folks like yourself. How much do you spend each month with this card (e.g., % of spending limit)? Do you pay it off in full each month? Thank you for sharing.

My spend on this card varies and isn't anything I tend to feel was over-the-top (I tend to favor a few other travel cards more) but with that:

August: $1800

September: $2200

Oct/Nov/Dec: $700.

2019 Summary: $8000

To answer the pay in full question, yes 99% of the time this has been paid in full. I'm very appreciate of the card and growth, as minus a few hiccups the first year (using it out of state) it's been smooth sailing for me with BOA.

Overall, I can't claim to have spent too crazy on this, just consistently spent/PIF.