topic Re: BofA Premium Rewards CLI - $120k CL in Credit Card Approvals

BofA Premium Rewards CLI - $120k CL

simplynoir — Mon, 23 Nov 2020 23:08:23 GMT

A couple of weeks back I asked about flexible spending limits and how much one could go over. The discussion there basically boiled down to me asking for a CLI first and then going from there. I was going to ask soon after that but stuff always came up and I never got around to it. Then I read @Loquat and @coldfusion's approvals last week or so and reminded me to finally ask. And finally got my sort-of white whale getting a six digit credit card

*insert surprised Pikachu face*

So called in and spoke to the rep who was really nice. Had a few account questions prior to request and she was helpful in that regard. Probably the funniest part of the call was while she was getting the information together to submit the request in she commented on the usage on the card. Call was on speakerphone since DW wanted in

Rep: wow, you guys really spend a lot here. look at all these payments

DW: yeah, drugs are expensive to buy. who knew?

Rep: drugs?

DW: mmhmm. drugs

Rep: ....umm okay

*slightly awkward silence"

Me: *sigh* she's a pharmacist so she's a "legal drug dealer" as she likes to call herself. don't mind her and her humor

Rep: oh, okay! i was wondering if i was going to have to get my manager on the line

Me: yeah, she can be a pain and a brat at times

DW: *laughs*

Rep: *laughs as well*

After that, a few clicks on rep's end and viola my new credit limit with an even number to boot

This credit limit is what we needed. Before because of limit constraints I was having to cycle the card a lot and make do using DW's AMEX Biz Plat card for anything else we couldn't put on PR. I didn't want to test the flexible spending limit quite yet. With this as long as I remember to curb my annoyance making multiple payments I can make it to where we can put a majority of our biz spending on here and really come out more ahead than using Schwab Plat to cash out MRs

Stats as follows. If there is any I missed let me know

Score: 823 TU as of 10/20/20 on BofA website

Income: more than adequate

Spend: Since April/May was easily six digit total balance going higher every month through the card. Before that it was one of our personal daily drivers for any place that didn't take mobile payments (Socks AR) on non-category spend. DW's PR card now takes that role and this is solely biz spending

Status: Platinum Honors status through Preferred Rewards program

I want to cow now 🐄

Re: BofA Premium Rewards CLI - $120k CL

blindambition — Mon, 23 Nov 2020 23:16:13 GMT

Congrats on the very nice CLI!!! I can dream of that limit!! 😂

Re: BofA Premium Rewards CLI - $120k CL

Anonymous — Mon, 23 Nov 2020 23:18:23 GMT

Hot dang! There is one big credit! Congrats!

Re: BofA Premium Rewards CLI - $120k CL

Slabenstein — Mon, 23 Nov 2020 23:22:29 GMT

Grtz on your sort-of-white-whale, sort-of-Ahab!

Re: BofA Premium Rewards CLI - $120k CL

coldfusion — Mon, 23 Nov 2020 23:28:20 GMT

The total points figure 🤗

I knew you were annoyed about having to routinely cycle through payments, congratulations on both breaking the BoA $99,900 soft limit and getting a limit that you're comfortable working with!

👍

Re: BofA Premium Rewards CLI - $120k CL

Loquat — Mon, 23 Nov 2020 23:38:54 GMT

@simplynoir I'm just going to leave this right here....Congrats!!

and-thats-how-its-done.jpg

Re: BofA Premium Rewards CLI - $120k CL

Remedios — Mon, 23 Nov 2020 23:43:57 GMT

@simplynoir congrats!

Re: BofA Premium Rewards CLI - $120k CL

M_Smart007 — Mon, 23 Nov 2020 23:49:12 GMT

Congratulations!

Re: BofA Premium Rewards CLI - $120k CL

cashorcharge — Tue, 24 Nov 2020 00:11:31 GMT

Terrific! Congratulations on your approval! Happy to see them so accomodating!

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:12:10 GMT

@blindambition wrote:
Congrats on the very nice CLI!!! I can dream of that limit!! 😂

Thanks! Born out of necessity I assure you 😂

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:01:47 GMT

@Anonymous wrote:
Hot dang! There is one big credit! Congrats!

Thank you! One I feel is not rightfully earned but it happened

Re: BofA Premium Rewards CLI - $120k CL

credit_endurance — Tue, 24 Nov 2020 01:03:06 GMT

Big congrats @simplynoir on a massive CL!! My lordy that is a limit I can only dream of having one day.😆

I just hope to just land that card in my near future. Enjoy the mega spending power!!

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:02:29 GMT

@Slabenstein wrote:
Grtz on your sort-of-white-whale, sort-of-Ahab!

Thanks 😂😂😂

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:05:02 GMT

@coldfusion wrote:
The total points figure 🤗

I knew you were annoyed about having to routinely cycle through payments, congratulations on both breaking the BoA $99,900 soft limit and getting a limit that you're comfortable working with!

👍

Them points 🤤 It was funny because if I do the math and someday put most biz spend on this card...well, it's more than the lady's and my salary for sure lol

Thanks, artist-formerly-known-as-CF 🍸

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:07:39 GMT

@Loquat wrote:
@simplynoir I'm just going to leave this right here....Congrats!!

and-thats-how-its-done.jpg

Thank you kindly. *insert @UncleB's hat tip macro*

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:09:45 GMT

@Remedios wrote:
@simplynoir congrats!

@Remedios thank you, sweetie 🤗

That's a big boy limit and them rewards as @coldfusion pointed out make it almost feel like biting into prime rare rib eye cow

ALMOST at least 😂

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:10:28 GMT

@M_Smart007 wrote:
Congratulations!

Thank you, sir!

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:11:40 GMT

@cashorcharge wrote:
Terrific! Congratulations on your approval! Happy to see them so accomodating!

Thanks! And yeah I mean I would've been happy getting that $99k soft cap because it would have given me more wiggle room but this was still a surprise for sure lol

Re: BofA Premium Rewards CLI - $120k CL

simplynoir — Tue, 24 Nov 2020 01:13:45 GMT

@credit_endurance wrote:
Big congrats @simplynoir on a massive CL!! My lordy that is a limit I can only dream of having one day.😆
I just hope to just land that card in my near future. Enjoy the mega spending power!!

Thank you! And for sure its one of the harder cards to get because of the higher UW but you can definitely get it

Re: BofA Premium Rewards CLI - $120k CL

Remedios — Tue, 24 Nov 2020 01:15:15 GMT

@simplynoir wrote:
@Remedios wrote:
@simplynoir congrats!
@Remedios thank you, sweetie 🤗
That's a big boy limit and them rewards as @coldfusion pointed out make it almost feel like biting into prime rare rib eye cow

ALMOST at least 😂

Actually, put your plans on hold untill @Anonymous and I decide what you can have 🤣

Imma head out 😐