topic BoA CR .... "You've Lost That Loving Feeling" ******* in Credit Card Applications

BoA CR .... "You've Lost That Loving Feeling" *******

M_Smart007 — Wed, 20 May 2020 18:47:56 GMT

This original post has been updated here;

https://ficoforums.myfico.com/t5/Credit-Card-Applications/BoA-CR-quot-You-ve-Lost-That-Loving-Feeling-quot/m-p/6027473#M265446

The "Righteous Brothers" Put it so well ..

Bank of America pulled the CLI LVE button ..

Now I have tears in my beer

Seriously, The Luv button has been there since 2016

Just since Covid-19 it has completely dis-appeared?

I am 100% sure it has been there the whole time!

I have not abused it, in fact have not asked in a while

I have had absolutely no AA/CLD of any kind.

Been mostly laying off the Application's compared to last year ..

My scores are just as solid as they have always been.

Utilization is about 1% ... No Lates. (checked all CB files 3x)

Income and Job are solid as a rock!

So I query you fine myFICO'ers that hold Bank of America cards,

Has anyone lost that "Lovin Feelin"? (The credit limit increase link on the website)

Oh. I am far from salty .. got over that when they denied me a second card on;

BK OF AMER

Bank Credit Cards

Inquiry date: Aug 8, 2019

Removal date: Aug 8, 2021

Just curious if this has to do with BoA tightening the purse strings?

Ready ....

Re: BoA CR .... "You've Lost That Loving Feeling" *******

imaximous — Wed, 20 May 2020 17:36:27 GMT

I think a few people were discussing this in a different thread. I remember asking if others had also lost the luv button, and a few responded they could still see it. Not sure if things have changed since.

I figured mine were gone from my cards because I'd already reached maximum exposure with BofA. After adding my CLs, I did notice I had more than the usual ceiling.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

M_Smart007 — Wed, 20 May 2020 17:38:35 GMT

@imaximous, Thank you for your reply!

Re: BoA CR .... "You've Lost That Loving Feeling" *******

Anonymous — Wed, 20 May 2020 17:41:18 GMT

@M_Smart007 wrote:

The "Righteous Brothers" Put it so well ..

Bank of America pulled the CLI LVE button ..
Now I have tears in my beer

Seriously, The Luv button has been there since 2016
Just since Covid-19 it has completely dis-appeared?
I am 100% sure it has been there the whole time!

I have not abused it, in fact have not asked in a while
I have had absolutely no AA/CLD of any kind.
Been mostly laying off the Application's compared to last year ..
My scores are just as solid as they have always been.
Utilization is about 1% ... No Lates. (checked all CB files 3x)

Income and Job are solid as a rock!

So I query you fine myFICO'ers that hold Bank of America cards,
Has anyone lost that "Lovin Feelin"? (The credit limit increase link on the website)

Oh. I am far from salty .. got over that when they denied me a second card on;
BK OF AMER
Bank Credit Cards
Inquiry date: Aug 8, 2019
Removal date: Aug 8, 2021

Just curious if this has to do with BoA tightening the purse strings?

Ready ....

I have no intel to offer -- I just wanted to say: SPECTACULAR PRODUCTION, Smarty!!!! as always. Love it!

Re: BoA CR .... "You've Lost That Loving Feeling" *******

Peteyglad — Wed, 20 May 2020 17:41:31 GMT

My BBR card that I have had for over 6 years has the luv button while my Alaska card which I got 4 months ago unsurprisingly does not have the luv button.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

CreditAggie — Wed, 20 May 2020 18:05:27 GMT

I still have the luv button on my Cash Rewards.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

M_Smart007 — Wed, 20 May 2020 18:07:42 GMT

@CreditAggie, Thank you! .. This helps to clear things up a little

Re: BoA CR .... "You've Lost That Loving Feeling" *******

TSlop — Wed, 20 May 2020 18:12:07 GMT

I have the button for both my CR and PR. I don't think I've ever NOT seen it. I only clicked it once on my PR a year or so ago ($17k ---> $37.5k) and I have never clicked on it with my CR that I opened in 2014 (auto CLI from $5k ---> $6k).

Re: BoA CR .... "Baby Come Back" ................

M_Smart007 — Wed, 20 May 2020 20:44:59 GMT

Edited: For title change, "I was wrong" "Baby Come Back"

Ok, based on your replies, it is not BoA tightening purse strings (although they could be)

It is profile specific. So I had taken out a Penfed PL on 3-26-2020

https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-Personal-loan-25-000-Approved-6-49-APR/m-p/5963340

Penfed reported that installment loan at 100% on 3-31-2020

On 4-1-2020 (April fool's day)

Bank Of America updated my TU FICO8 Score.

As a result my score dropped -17 points

(so now I know ...what a maxed Installment loan will drop my FICO8 score)

The Penfed loan has been paid down to less than 8.9%,

and pulling my TU FICO8 shows that I gained the 17 FICO's back!

So at least I resolved "The LVE button mystery" .. I got April fooled

So now ... I am pretty sure why they pulled the LVE button.

Bank of America has not updated since April 1st.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

AllZero — Wed, 20 May 2020 19:07:31 GMT

Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

M_Smart007 — Wed, 20 May 2020 19:15:05 GMT

@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.

Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.

The only lender I have not been able to get a 2nd card from.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

AllZero — Wed, 20 May 2020 19:34:34 GMT

@M_Smart007 wrote:
@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.
Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.
The only lender I have not been able to get a 2nd card from.

Good luck. Hope you'll be able to get that 2nd card one day.

Mine was prequal in special offers tab. I think I let it marinate for about 5 months before I applied.

Re: BoA CR .... "Baby Come Back" ................

snickerpedia — Wed, 20 May 2020 20:47:22 GMT

@M_Smart007 wrote:

Edited: For title change, "I was wrong" "Baby Come Back"

Ok, based on your replies, it is not BoA tightening purse strings (although they could be)
It is profile specific. So I had taken out a Penfed PL on 3-26-2020

https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-Personal-loan-25-000-Approved-6-49-APR/m-p/5963340

Penfed reported that installment loan at 100% on 3-31-2020

On 4-1-2020 (April fool's day)
Bank Of America updated my TU FICO8 Score.
As a result my score dropped -17 points
(so now I know ...what a maxed Installment loan will drop my FICO8 score)

The Penfed loan has been paid down to less than 8.9%,
and pulling my TU FICO8 shows that I gained the 17 FICO's back!

So at least I resolved "The LVE button mystery" .. I got April fooled

So now ... I am pretty sure why they pulled the LVE button.
Bank of America has not updated since April 1st.

If you check your fico on BOA app it will say 4/21/2020- I think the browser login is typo because they softed my report on 4/21 and my browser login on boa will show 4/1 and app shows 4/21 same score

Re: BoA CR .... "You've Lost That Loving Feeling" *******

Anonymous — Wed, 20 May 2020 20:57:45 GMT

I'm not feeling the love either from BOA. I still have the luv button but they consistently deny me CLIs. I got a CLI in Sept 2019 and also a denial on a second card same day. With the CLI on the 1 card I guess they reached max exposure for me. Since then nada from BOA. I ask for a CLI every 2 mths or so and always get denied for credit seeking (I got 1 new Amex card in Oct. to make up for them denying my request for a 2nd card). Suffice it to say, you are not alone @M_Smart007

Re: BoA CR .... "You've Lost That Loving Feeling" *******

M_Smart007 — Wed, 20 May 2020 21:03:55 GMT

@Anonymous wrote:
I'm not feeling the love either from BOA. I still have the luv button but they consistently deny me CLIs. I got a CLI in Sept 2019 and also a denial on a second card same day. With the CLI on the 1 card I guess they reached max exposure for me. Since then nada from BOA. I ask for a CLI every 2 mths or so and always get denied for credit seeking (I got 1 new Amex card in Oct. to make up for them denying my request for a 2nd card). Suffice it to say, you are not alone @M_Smart007

@Anonymous, Thanks for your reply, I can relate ..(1) CLI ..

and yes .. they DO NOT LIKE MY "CREDIT SEEKING BEHAVIOR"

Even Chase gave me another card (Marriott) and a $9K CLI on another card

Amex has given me about $95K increases across all cards

Hang in there, one day .. you'll get it

Re: BoA CR .... "You've Lost That Loving Feeling" *******

Aim_High — Wed, 20 May 2020 21:11:50 GMT

@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.
Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.
The only lender I have not been able to get a 2nd card from.
Good luck. Hope you'll be able to get that 2nd card one day.
Mine was prequal in special offers tab. I think I let it marinate for about 5 months before I applied.

Ditto for me. I have the LUV Button on my Cash Rewards.

Card already has a high limit at $70K and I don't put much spend on it.

Last few times, I was also denied for CLI due to too many new accounts.

Consequently, I'm gardening longer (after my AMEX card denial for same reason) to make sure everything ages enough before I apply for Premium Rewards.

Re: BoA CR .... "Baby Come Back" ................

snickerpedia — Wed, 20 May 2020 21:15:36 GMT

@M_Smart007 wrote:

Edited: For title change, "I was wrong" "Baby Come Back"

Ok, based on your replies, it is not BoA tightening purse strings (although they could be)
It is profile specific. So I had taken out a Penfed PL on 3-26-2020

https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-Personal-loan-25-000-Approved-6-49-APR/m-p/5963340

Penfed reported that installment loan at 100% on 3-31-2020

On 4-1-2020 (April fool's day)
Bank Of America updated my TU FICO8 Score.
As a result my score dropped -17 points
(so now I know ...what a maxed Installment loan will drop my FICO8 score)

The Penfed loan has been paid down to less than 8.9%,
and pulling my TU FICO8 shows that I gained the 17 FICO's back!

So at least I resolved "The LVE button mystery" .. I got April fooled

So now ... I am pretty sure why they pulled the LVE button.
Bank of America has not updated since April 1st.

I think BOA had a typo this month if you log in via web browser. My web browser boa score is from 4/1/2020, but if you log in with the BOA APP, it says 4/21/2020.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

snickerpedia — Wed, 20 May 2020 21:17:35 GMT

@M_Smart007

try logging into your BOA using the mobile app. If i log in with browser my fico score is dated 4/1/2020, but on the app it says 4/21/2020.

Re: BoA CR .... "You've Lost That Loving Feeling" *******

AverageJoesCredit — Wed, 20 May 2020 21:47:55 GMT

If you really want to Cry for Me Argintina, try having a broken luv button forever on your account like me where you can see it, click it, and only thing happens is your color goes from blue to red blue. And its been there 4 plus years......

Re: BoA CR .... "You've Lost That Loving Feeling" *******

Wavester64 — Wed, 20 May 2020 22:29:52 GMT

@Aim_High wrote:
@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.
Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.
The only lender I have not been able to get a 2nd card from.
Good luck. Hope you'll be able to get that 2nd card one day.
Mine was prequal in special offers tab. I think I let it marinate for about 5 months before I applied.
Ditto for me. I have the LUV Button on my Cash Rewards.
Card already has a high limit at $70K and I don't put much spend on it.
Last few times, I was also denied for CLI due to too many new accounts.
Consequently, I'm gardening longer (after my AMEX card denial for same reason) to make sure everything ages enough before I apply for Premium Rewards.

I know I definitely don't get BOA love since I was expecting their Cash Rewards card a month back and I had to settle for a secured card or a wasted HP

But trying to be positive - and here is my question: when the sun and mood align and I get this card graduated - how often is it standard to request a CLI from BoA ?