topic Re: BoA and Synchrony CLIs in Credit Card Applications

BoA and Synchrony CLIs

chckn_permission — Mon, 29 Jul 2019 23:43:21 GMT

Hi all, recently got the luv button for BoA to show up again after about 3 months since the last CLI in late April ish. Looking to request CLI's for both my BoA CR and Synchrony cards so that I can get some higher end cards down the line:

Current cards:

Citi Sears Platinum: ($2,800 AU, 2011)

BoA Cash Rewards ($2,800, Jul 2018)

BR Synchrony ($3,500, Feb 2019)

CFU ($1,000, May 2019)

SL for BoA was $1,500, CLI request in late April for $3,500 was countered with $2,800.

SL for Synchrony was $2,400, CLI request in early May for $3,500 was instantly approved.

TU FICO 8: 731

Utilization: 6% (AU)

Income: $60K

Looking to shoot for the stars on one or both of these cards and hopefully receive a good counter offer. I've read through some great CLI topics on here of Synchrony being pretty generous, not as much for BoA. Does BoA ever outright reject CLI requests for being too high without giving a lower counter offer?

Re: BoA and Synchrony CLIs

Anonymous — Mon, 29 Jul 2019 23:52:19 GMT

I always say shoot for the moon when asking for a CLI and they will counter with their highest offer.

Synch is good up to 25K usually

BOA is good to 99,900 on personal cards

BOA - rejections.... if you hit the ceiling for DTI which seems to be about 50% then they start rejecting you based on the #'s. Outside of %'s they will reject if you ask too early and then you just try again when it's been at least 90 days between the last approved CLI.

Re: BoA and Synchrony CLIs

chckn_permission — Wed, 31 Jul 2019 18:01:14 GMT

Thanks for the info! I’ll probably shoot higher for Synchrony (around ~10k) and see what happens and then let the luv button sit for a bit and then request accordingly with BoA.