topic Re: BOA CLI 91 days rule in Credit Card Applications

BOA CLI 91 days rule

kudosalert — Thu, 27 Feb 2020 07:14:46 GMT

It has only been about 61 days since my last increase was approved. Does anybody know if the 90 day rule is strictly enforced? The CLI button has just popped up for me again. Wondering if I should ask for 99k again

Re: BOA CLI 91 days rule

AllZero — Thu, 27 Feb 2020 07:16:10 GMT

91 days in full effect.

Re: BOA CLI 91 days rule

FinStar — Thu, 27 Feb 2020 15:03:31 GMT

OP, you're welcome to spin the wheel and see. SP after all.

ETA - good luck on whatever you decide 😜

Re: BOA CLI 91 days rule

Anonymous — Sun, 01 Mar 2020 11:24:41 GMT

@FinStar wrote:
OP, you're welcome to spin the wheel and see. SP after all.

ETA - good luck on whatever you decide 😜

does BofA SP for business credit card cli requests too? Sorry if this seems to highjack OP's post lol

Re: BOA CLI 91 days rule

CreditCuriosity — Sun, 01 Mar 2020 17:58:48 GMT

@Anonymous wrote:
@FinStar wrote:
OP, you're welcome to spin the wheel and see. SP after all.

ETA - good luck on whatever you decide 😜
does BofA SP for business credit card cli requests too? Sorry if this seems to highjack OP's post lol

believe so but as a CLI on business takes a call in vs button can ask when you call in and they should be familiar with the policy by now being front end csr's

Re: BOA CLI 91 days rule

IncrsCreditScore — Sun, 01 Mar 2020 20:32:28 GMT

Opened my BoA Cash Rewards card in early November 2019. Just checked to see if a CLI request was in the selection of topics I could pull and it is not. Does that always appear when eligible for a CLI? Or do you have to call to request a CLI?

Re: BOA CLI 91 days rule

CreditCuriosity — Sun, 01 Mar 2020 20:43:09 GMT

@IncrsCreditScore wrote:
Opened my BoA Cash Rewards card in early November 2019. Just checked to see if a CLI request was in the selection of topics I could pull and it is not. Does that always appear when eligible for a CLI? Or do you have to call to request a CLI?

Personal card? It will show up when they think you are ready approx every 3 months.. First time might be 6 months, but been so long since I have opened a personal credit card with bofa i am unsure anymore.

Re: BOA CLI 91 days rule

coldfusion — Mon, 02 Mar 2020 01:07:07 GMT

@CreditCuriosity wrote:
@IncrsCreditScore wrote:
Opened my BoA Cash Rewards card in early November 2019. Just checked to see if a CLI request was in the selection of topics I could pull and it is not. Does that always appear when eligible for a CLI? Or do you have to call to request a CLI?
Personal card? It will show up when they think you are ready approx every 3 months.. First time might be 6 months, but been so long since I have opened a personal credit card with bofa i am unsure anymore.

It shows up when they consider you eligible to request which is a YMMV and is not the same as being considererd eligible to obtain. 91 days seems to be common but also seems to be profile-dependent.

As an example, I've already mentioned elsewhere that the MLB card that I was approved for on Feb 14th had the `Request a credit line increase` hyperlink appear last Thursday.

Re: BOA CLI 91 days rule

Anonymous — Mon, 02 Mar 2020 01:13:47 GMT

After getting a CLI the first time, I went for another as soon as the link showed up. It was denied. I waited until about 92 days (30+ after denial), and it was approved.

Re: BOA CLI 91 days rule

kudosalert — Mon, 02 Mar 2020 04:11:38 GMT

I'll wait. I'm only 2 weeks away from 91 days. Asking for 99k again.

Re: BOA CLI 91 days rule

AllZero — Mon, 02 Mar 2020 04:15:14 GMT

@kudosalert wrote:
I'll wait. I'm only 2 weeks away from 91 days. Asking for 99k again.

Good luck. I hope you get it!

Re: BOA CLI 91 days rule

IncrsCreditScore — Wed, 04 Mar 2020 20:53:50 GMT

@CreditCuriosity wrote:
@IncrsCreditScore wrote:
Opened my BoA Cash Rewards card in early November 2019. Just checked to see if a CLI request was in the selection of topics I could pull and it is not. Does that always appear when eligible for a CLI? Or do you have to call to request a CLI?
Personal card? It will show up when they think you are ready approx every 3 months.. First time might be 6 months, but been so long since I have opened a personal credit card with bofa i am unsure anymore.

Thank you. It will probably be a little longer; just recalled I had to get a replacement card when my wallet was stolen. So that will, undoubtedly, start the clock again.

Re: BOA CLI 91 days rule

IncrsCreditScore — Wed, 04 Mar 2020 20:55:04 GMT

@coldfusion wrote:
@CreditCuriosity wrote:
@IncrsCreditScore wrote:
Opened my BoA Cash Rewards card in early November 2019. Just checked to see if a CLI request was in the selection of topics I could pull and it is not. Does that always appear when eligible for a CLI? Or do you have to call to request a CLI?
Personal card? It will show up when they think you are ready approx every 3 months.. First time might be 6 months, but been so long since I have opened a personal credit card with bofa i am unsure anymore.
It shows up when they consider you eligible to request which is a YMMV and is not the same as being considererd eligible to obtain. 91 days seems to be common but also seems to be profile-dependent.

As an example, I've already mentioned elsewhere that the MLB card that I was approved for on Feb 14th had the `Request a credit line increase` hyperlink appear last Thursday.

Thank you.

Re: BOA CLI 91 days rule

wowzera — Tue, 25 Aug 2020 20:05:08 GMT

Sorry for hijacking this thread.

I received my last CLI in March, 3th, 2020. At that time, the blue icon of "Request credit limit increase" was showing in my internet banking.

Now, it's not showinng, but I'm still tempted to ask for a new CLI before my statement cuts (August, 27th).

I'm gonna apply for a new card soon and don't want a new HP only because of the CLI request, but would like the new lender see a better credit limit over my other cards.

Am I good to request it over the phone, or can they eventually do a hard pull?

FICO Score 740+ over TU, EQ and EX.

Overall credit utilization is less than 5%.

Re: BOA CLI 91 days rule

coldfusion — Tue, 25 Aug 2020 20:44:37 GMT

@wowzera wrote:
Sorry for hijacking this thread.
I received my last CLI in March, 3th, 2020. At that time, the blue icon of "Request credit limit increase" was showing in my internet banking.
Now, it's not showinng, but I'm still tempted to ask for a new CLI before my statement cuts (August, 27th).
I'm gonna apply for a new card soon and don't want a new HP only because of the CLI request, but would like the new lender see a better credit limit over my other cards.
Am I good to request it over the phone, or can they eventually do a hard pull?

FICO Score 740+ over TU, EQ and EX.
Overall credit utilization is less than 5%.

There was a recent report I saw of success from calling in with only a SP, but there is no 100% certainty although you can ask when you call.