topic Re: BOA CLI To 35K in Credit Card Approvals

BOA CLI To 35K

triplej0718 — Fri, 15 Mar 2024 15:24:53 GMT

Hey guys,

BOA soft pull every 91 days is still intact. I ask for a CLI while having all 3 bureaus locked and frozen and I got an instant CLI approval from 18K to 35K. This card had a starting limit of 3K last August of 2023 and over 6 months later it's at 35K.

FYI I treat this card as a charge card and PIF by the statement date. Can't lose with BOA which is a tier 1 card. Let's get it.

Re: BOA CLI To 35K

JoeRockhead — Fri, 15 Mar 2024 15:35:02 GMT

Very nice CLI and growth, congratulations!

Re: BOA CLI To 35K

keekers — Fri, 15 Mar 2024 16:09:27 GMT

Awesome. Didn't realize BoA could grow like that.

Re: BOA CLI To 35K

firefox100 — Fri, 15 Mar 2024 16:32:07 GMT

Congratulations very nicely done enjoy it.

Re: BOA CLI To 35K

CorpCrMgr1 — Fri, 15 Mar 2024 19:43:59 GMT

Congratulations on your extremely great CLI!

Re: BOA CLI To 35K

LeChauffeur — Sat, 16 Mar 2024 00:07:29 GMT

@triplej0718 wrote:
Hey guys,

BOA soft pull every 91 days is still intact. I ask for a CLI while having all 3 bureaus locked and frozen and I got an instant CLI approval from 18K to 35K. This card had a starting limit of 3K last August of 2023 and over 6 months later it's at 35K.

FYI I treat this card as a charge card and PIF by the statement date. Can't lose with BOA which is a tier 1 card. Let's get it.

PIF before or after the cycle closes?

Re: BOA CLI To 35K

Traveler101 — Sat, 16 Mar 2024 00:17:58 GMT

Congratulations on the cli's. Gotta love them soft pulls. Enjoy 😉

Re: BOA CLI To 35K

NoMoreDebt — Sat, 16 Mar 2024 11:44:20 GMT

Congratulations on your cli

Re: BOA CLI To 35K

BigBS — Sun, 17 Mar 2024 17:39:39 GMT

Congrats on the CLI!

Re: BOA CLI To 35K

gorgon — Mon, 18 Mar 2024 17:33:46 GMT

Congrats on your CLI

Re: BOA CLI To 35K

Flex1 — Mon, 18 Mar 2024 18:20:30 GMT

@triplej0718 wrote:
Hey guys,

BOA soft pull every 91 days is still intact. I ask for a CLI while having all 3 bureaus locked and frozen and I got an instant CLI approval from 18K to 35K. This card had a starting limit of 3K last August of 2023 and over 6 months later it's at 35K.

FYI I treat this card as a charge card and PIF by the statement date. Can't lose with BOA which is a tier 1 card. Let's get it.

Wow!!!! What an amazing job you've done with this card in such a short amount of time! Congrats!!!!!!!!

Re: BOA CLI To 35K

Janneman — Mon, 18 Mar 2024 21:42:47 GMT

@triplej0718 wrote:
Hey guys,

BOA soft pull every 91 days is still intact. I ask for a CLI while having all 3 bureaus locked and frozen and I got an instant CLI approval from 18K to 35K. This card had a starting limit of 3K last August of 2023 and over 6 months later it's at 35K.

FYI I treat this card as a charge card and PIF by the statement date. Can't lose with BOA which is a tier 1 card. Let's get it.

Congrat....Good job...very nice...Could you please provide some datapoint that could help this community like your score, spending on this card per month, which card it is, if you are Merril Lynch Customer or higher tier customer with BOA, did you ask for CLI on the phone or online, did you ask this specific amount or they provided by their own, how many total revolving accounts you have, and how much total available credit , and any other details that could help this community? Thank you

Re: BOA CLI To 35K

MudkipsRKooL — Fri, 29 Mar 2024 05:24:53 GMT

That's amazing. I guess I need to put some decent spend on the card. I gotten denied awhile back and put this on the backburner. I didn't realize people could get is that high. Do you have BOA as your main banking? do you do Direct Deposit? How much monthly spend do you put on this card?

Re: BOA CLI To 35K

triplej0718 — Sat, 30 Mar 2024 14:30:52 GMT

@Janneman wrote:
@triplej0718 wrote:
Hey guys,

BOA soft pull every 91 days is still intact. I ask for a CLI while having all 3 bureaus locked and frozen and I got an instant CLI approval from 18K to 35K. This card had a starting limit of 3K last August of 2023 and over 6 months later it's at 35K.

FYI I treat this card as a charge card and PIF by the statement date. Can't lose with BOA which is a tier 1 card. Let's get it.
Congrat....Good job...very nice...Could you please provide some datapoint that could help this community like your score, spending on this card per month, which card it is, if you are Merril Lynch Customer or higher tier customer with BOA, did you ask for CLI on the phone or online, did you ask this specific amount or they provided by their own, how many total revolving accounts you have, and how much total available credit , and any other details that could help this community? Thank you

Great Questions. I never call to ask for CLI. Every 90 days I do it online on my BOA App while having all 3 credit bureaus frozen. It's a joint account with my wife. She has direct deposit with BOA but I don't. I mainly use the card even though it's a joint account and I pay for it 100 percent of the time. I usually spend about 1500 to 5k a month on the card and pay it in full every single month. I never leave a balance on this card. I think my wife having great cashflow going through her personal checking definitely helped with the huge increase in a short amount of time. She's a preferred BOA member as well. We both have 800 scores on our Transunion report. I also have a 1 percent total usage overall with my credit card balance. I have 3 revolving credit cards including this BOA card. My total Credit Line on the personal side right now is 101K with a 1K balance. I mainly leverage my personal credit to get as much Business Credit as I can.

BOA will give you love every 90 days as long as you use it and pay it down to under 10 percent every single month. I choose to pay it off every single month instead because I use my Apple Card to show a balance due to the fact I use the AZEO method ( All Zero Balance Except One Card).

I've decided to stay at 35K because of the maximum exposure with BOA being around 100K apparently. I want to tap into the business side now and get a business credit card with them later this year.

Re: BOA CLI To 35K

triplej0718 — Sat, 30 Mar 2024 14:33:36 GMT

@MudkipsRKooL wrote:
That's amazing. I guess I need to put some decent spend on the card. I gotten denied awhile back and put this on the backburner. I didn't realize people could get is that high. Do you have BOA as your main banking? do you do Direct Deposit? How much monthly spend do you put on this card?

I answered pretty much all of your questions with my previous post. Is your credit report clean?? If it is then yes putting some spend on the card will definitely get you a CLI in the future. Good luck.

Re: BOA CLI To 35K

CreditAggie — Sun, 21 Apr 2024 17:42:09 GMT

Congratulations on your BofA CLI!

Re: BOA CLI To 35K

CYBERSAM — Sun, 21 Apr 2024 18:17:29 GMT

Congrats on your CLI 🤑👍