topic Re: Still No BoA CLI Button for Me in Credit Card Applications

Still No BoA CLI Button for Me

Anonymous — Thu, 30 Apr 2020 13:28:27 GMT

I applied for the BoA Cash Rewards card back on 4/28/19 and my 1 year anniversary just came and gone. Yet, I still don't see this elusive *LUV* button everyone speaks of.

I understand the button only appears if your account qualifies for a CLI and I've read some older posts that suggests BoA tends to bucket certain cards they deem as higher risk. I guess they consider me to be amongst that group. So I waited past the 3-month, 6-month, and now 12-month mark. But still nothing.

I had a checking account with them at the time, but closed it last fall (6 months after I opened the card). I also had an auto loan with them (that was nearly 30% paid off, all on-time payments), but the car was totaled in a crash 2 months ago. So needless to say, I don't see the lack of a relationship being an issue.

Also, I mainly used it for restaurant purchases (putting a few hundred dollars on it per month), although I haven't done this recently because of COVID-19.

Any of you guys have an idea why I still can't see this CLI button? This is really frustrating me.

Re: Still No BoA CLI Button for Me

Anonymous — Thu, 30 Apr 2020 13:14:22 GMT

You can always request a CLI by phone.

Re: Still No BoA CLI Button for Me

Cred4All — Thu, 30 Apr 2020 13:33:24 GMT

Have you tried logging in and searching for credit limit increase? It will likely take you to the correct screen. I can say from personal experience after logging in from the computer, the default home page you land on doesn't usually show it.

I look at the main page which displays my personal account / credit card as a blue hypertext link. Click on the card link itself, and then on the card screen you should see the 'Credit Limit Increase' link displayed under your last payment.

Re: Still No BoA CLI Button for Me

Anonymous — Thu, 30 Apr 2020 13:48:59 GMT

@Cred4All wrote:
Have you tried logging in and searching for credit limit increase? It will likely take you to the correct screen. I can say from personal experience after logging in from the computer, the default home page you land on doesn't usually show it.

I look at the main page which displays my personal account / credit card as a blue hypertext link. Click on the card link itself, and then on the card screen you should see the 'Credit Limit Increase' link displayed under your last payment.

Per your suggestion, I just tried searching for Credit Limit Increase and when I got to the screen, an error message appears stating "We're unable to display your account."

Re: Still No BoA CLI Button for Me

Cred4All — Thu, 30 Apr 2020 13:53:41 GMT

@Anonymous wrote:
@Cred4All wrote:
Have you tried logging in and searching for credit limit increase? It will likely take you to the correct screen. I can say from personal experience after logging in from the computer, the default home page you land on doesn't usually show it.

I look at the main page which displays my personal account / credit card as a blue hypertext link. Click on the card link itself, and then on the card screen you should see the 'Credit Limit Increase' link displayed under your last payment.
Per your suggestion, I just tried searching for Credit Limit Increase and when I got to the screen, an error message appears stating "We're unable to display your account."

Thanks for confirming that. If someone else has further info on that, chime in here at your will. To me, using deductive reasoning and process of elimination, it leads me to believe that either:

You for some reason are not eligible for an increase, so the screen is unable to be loaded OR
Something in the account will as recommended previously require you call in to ask if you're eligible.

Either way, if the sytem feels you aren't eligble, but you've had the account for a year... I'd be inclined to call and butter up the rep to find out more .

Re: Still No BoA CLI Button for Me

Gunnerboy — Thu, 30 Apr 2020 14:04:37 GMT

@Anonymous suggested you give them a call. That's what I'd tell you to do. You might glean some new info about your account.

Re: Still No BoA CLI Button for Me

Anonymous — Thu, 30 Apr 2020 14:14:48 GMT

I was hoping to avoid the phone call, because:

1. I don't want to draw unneeded attention to my account for a manual review.

2. The long call wait times.

(^^^both In light of the ongoing pandemic and economic conditions).

But if I want a CLI, I guess I may not have a choice.

Thanks everyone. Any other answers / explanations are still welcome.

Re: Still No BoA CLI Button for Me

JR_TX — Thu, 30 Apr 2020 16:05:19 GMT

Calling them might be your only choice at this point.
But before doing that try clearing your browser's cache, cookies and history first then reboot then try logging in again and see if the CLI button shows up this time.

Good Luck and keep us posted.

Re: Still No BoA CLI Button for Me

imaximous — Thu, 30 Apr 2020 16:33:39 GMT

I’m guessing everyone else still has the CLI link under their account?

This thread got me curious and I just noticed that my CLI links are now gone. They’ve always been there even when ineligible for a CLI (after getting one less than 3 mos earlier).

Maybe it’s the current economic conditions or I just hit a high exposure limit with BofA, or both.

Re: Still No BoA CLI Button for Me

Gunnerboy — Thu, 30 Apr 2020 16:39:53 GMT

@imaximous wrote:
This thread got me curious and I just noticed that my CLI links are now gone. They’ve always been there even when ineligible for a CLI (after getting one less than 3 mos earlier).

Maybe it’s the current economic conditions or I just hit a high exposure limit with BofA, or both.

My CLI link is there in my Chrome browser, but I'll wait a couple more months before I try for it.

Re: Still No BoA CLI Button for Me

JR_TX — Thu, 30 Apr 2020 17:01:53 GMT

@imaximous wrote:
I’m guessing everyone else still has the CLI link under their account?

This thread got me curious and I just noticed that my CLI links are now gone. They’ve always been there even when ineligible for a CLI (after getting one less than 3 mos earlier).

Maybe it’s the current economic conditions or I just hit a high exposure limit with BofA, or both.

Mine's still there.
It's been about 8 months now from my last CLI and haven't asked since then. Got no more need for it.

Re: Still No BoA CLI Button for Me

Eagered2succeed — Thu, 30 Apr 2020 23:12:54 GMT

@imaximous wrote:
I’m guessing everyone else still has the CLI link under their account?

This thread got me curious and I just noticed that my CLI links are now gone. They’ve always been there even when ineligible for a CLI (after getting one less than 3 mos earlier).

Maybe it’s the current economic conditions or I just hit a high exposure limit with BofA, or both.

Yep didn't notice but mine is gone too. Doesn't matter as I'm well over my comfortable limit with them. Wouldn't dare think to poke the bear anymore lol.

Re: Still No BoA CLI Button for Me

Eagered2succeed — Thu, 30 Apr 2020 23:23:54 GMT

@Eagered2succeed wrote:
@imaximous wrote:
I’m guessing everyone else still has the CLI link under their account?

This thread got me curious and I just noticed that my CLI links are now gone. They’ve always been there even when ineligible for a CLI (after getting one less than 3 mos earlier).

Maybe it’s the current economic conditions or I just hit a high exposure limit with BofA, or both.
Yep didn't notice but mine is gone too. Doesn't matter as I'm well over my comfortable limit with them. Wouldn't dare think to poke the bear anymore lol.

On second thought it's still there @Anonymous try clicking on see all transaction. Should take you to another screen and hopefully show the cli link there. I'm doing it using Chrome on my ultrabook btw. Not sure if that makes a difference.

Re: Still No BoA CLI Button for Me

imaximous — Fri, 01 May 2020 01:36:17 GMT

No luck. Can’t find it anywhere. But, it’s mostly curiosity at this point for me. I don’t need to ask for more credit from BoA — much less in this current market.
Most likely, this is BoA telling me I’m maxed out for now.

Re: Still No BoA CLI Button for Me

Anonymous — Fri, 01 May 2020 19:08:57 GMT

@Anonymous wrote:
I applied for the BoA Cash Rewards card back on 4/28/19 and my 1 year anniversary just came and gone. Yet, I still don't see this elusive *LUV* button everyone speaks of.

I understand the button only appears if your account qualifies for a CLI and I've read some older posts that suggests BoA tends to bucket certain cards they deem as higher risk. I guess they consider me to be amongst that group. So I waited past the 3-month, 6-month, and now 12-month mark. But still nothing.

I had a checking account with them at the time, but closed it last fall (6 months after I opened the card). I also had an auto loan with them (that was nearly 30% paid off, all on-time payments), but the car was totaled in a crash 2 months ago. So needless to say, I don't see the lack of a relationship being an issue.

Also, I mainly used it for restaurant purchases (putting a few hundred dollars on it per month), although I haven't done this recently because of COVID-19.

Any of you guys have an idea why I still can't see this CLI button? This is really frustrating me.

I started with a secured Cash Rewards card. It graduated after a year and I was able to get a CLI, sadly that was a 1 year and 1 month ago and I haven't been able to ask for another CLI... I'll just keep waiting, maybe one day...

Re: Still No BoA CLI Button for Me

Anonymous — Fri, 01 May 2020 21:18:26 GMT

I have two BofA credit cards so I've been monitoring my accounts closely for the past few days. My Cash Rewards card has a limit of $78,900 and I last received a CLI on 12/23/2019. My Premium Rewards card has a $21,000 limit and I've never asked for a CLI since it was opened in September 2019. So I was eligible for CLIs on both cards and for a while they both had the CLI request link. Then about two weeks ago the link disappeared from the Cash Rewards card but remained for the PR card. The statement for the PR card closed on 4/28 and up to yesterday the CLI link was still in the account; but I just checked and its no longer there so it was removed sometime overnight.

In my case I think their removal is tied to collection activity on my TU report. On January 30, 2020 two medical collections hit my TU and my score dropped 70 points. I paid the collections and the collection agency agreed to delete the collection activity from my report; and that was done on March 31, 2020. I'm guessing that BofA softpulled my TU and saw the score decrease and collections and decided that I couldn't get CLIs; although I wasn't planning on asking for one. But my credit limits are both still intact.

Re: Still No BoA CLI Button for Me

Anonymous — Sat, 02 May 2020 01:39:38 GMT

@Anonymous Seems like you have hit the proverbial CL max ($99,900) with BofA but hopefully I'm wrong.

Re: Still No BoA CLI Button for Me

Anonymous — Sat, 02 May 2020 02:03:00 GMT

@Anonymous wrote:
@Anonymous Seems like you have hit the proverbial CL max ($99,900) with BofA but hopefully I'm wrong.

@Anonymous Yes, $99,900 is the "usual" max but there are several people who have reported limits above that. Those individuals typically have substantial assets in Merrill Lynch/ Merrill Edge accounts and had to call in to a senior underwriter to get approval. I wasn't planning on asking for a CLI so I'm satisfied; I just thought it was odd that I had the CLI link in both accounts then over the course of two weeks or so it disappeared.

Re: Still No BoA CLI Button for Me

CreditAggie — Sat, 02 May 2020 02:15:01 GMT

My BofA Cash Rewards is five months old yet I have the button to request a credit line increase. I find this interesting since data points suggest that your card has to be at least a year old before being eligible for a CLI. I plan to wait until my card is a year old before requesting one anyway.

Re: Still No BoA CLI Button for Me

Anonymous — Sat, 02 May 2020 02:18:53 GMT

@CreditAggie wrote:
... data points suggest that your card has to be at least a year old before being eligible for a CLI ...

That so? I hadn't read that. Can you add more details please?