topic Re: Bank of America CLI - Call backdoor? in Credit Card Applications

Bank of America CLI - Call backdoor?

niko79 — Mon, 09 Nov 2015 15:17:34 GMT

Bank of America - I received 7-10 days message after asking for $15'000 (having $1500 limit and a card for almost a year or so). I called regular Customer Service who said a Credit Analyst is working on my request. My TU FICO08 is 709.

Should I give backdoor number a call to find out sooner and provide them with the info (if needed) or should I just wait? They pulled my TU already.

What do you think?

Re: Bank of America CLI - Call backdoor?

Anonymous — Mon, 09 Nov 2015 16:01:36 GMT

I am in the same boat as you but I am going to wait it out so if they deny it or they counter too low then I will call and see if I can recon it as opposed to reaching out to them first. I would rather try to talk my way out of a denial than worry I am talking myself into one.

Re: Bank of America CLI - Call backdoor?

JSS3 — Mon, 09 Nov 2015 17:19:46 GMT

Do you have cards with 15,000 limits(or a tad bit lower)?

I'm learning BofA likes to compete for the top spot.

Re: Bank of America CLI - Call backdoor?

niko79 — Mon, 09 Nov 2015 17:30:57 GMT

The highest major I have is 7100. The highest store card is 10000.

Re: Bank of America CLI - Call backdoor?

niko79 — Tue, 10 Nov 2015 15:32:27 GMT

Second day, no increase visible on my account. Should I give regular customer service a call to get an update? Or do I continue waiting?

Re: Bank of America CLI - Call backdoor?

Anonymous — Tue, 10 Nov 2015 16:11:04 GMT

@niko79 wrote:
Second day, no increase visible on my account. Should I give regular customer service a call to get an update? Or do I continue waiting?

I would call the backdoor number. I have had great success with them. Went from $1000 approval to $19500 the same day. Currently at $24.5k. They are nice and a lot different than Chase, IMO.

Re: Bank of America CLI - Call backdoor?

niko79 — Tue, 10 Nov 2015 16:51:53 GMT

Got denied via backdoor. I have 3 cards with balances of a little over 50% and one that has yet ot report 0 balance but at 65%. I have 10 CCs more reporting 0 balances. He said the reason was those cards and to pay them off , wait until CRA update and try again. YEAH, like I am going to waste another HP.

Forget BofA.

Re: Bank of America CLI - Call backdoor?

niko79 — Fri, 13 Nov 2015 16:13:59 GMT

Called a Senior Credit Analyst and got the same answer. No derogs. 709 FICO. She used the same pull from initial CLI request. Oh well.

Re: Bank of America CLI - Call backdoor?

Anonymous — Fri, 13 Nov 2015 16:18:28 GMT

look out for a double pull....BOA usually pulls Experian....

Re: Bank of America CLI - Call backdoor?

Creditaddict — Fri, 13 Nov 2015 16:20:26 GMT

@Anonymous wrote:
look out for a double pull....BOA usually pulls Experian....

For apps... TU for CLI

Re: Bank of America CLI - Call backdoor?

niko79 — Fri, 13 Nov 2015 16:26:19 GMT

They pulled TU for CLI for me.

Re: Bank of America CLI - Call backdoor?

elim — Tue, 17 Nov 2015 00:21:01 GMT

how soon can you request CLI with BOA? when you get the card?

Re: Bank of America CLI - Call backdoor?

Countingpennies — Tue, 17 Nov 2015 00:53:39 GMT

I was approved in April for $1000. Didn't ask for a CLI until October, went to $2500, my lowest CL at that time was $5000. I do bank with them. The CSR that called me was very nice, but asked a ton of questions. My CRs were frozen, so she got TU on the line and I gave him my pin.

Re: Bank of America CLI - Call backdoor?

elim — Tue, 17 Nov 2015 01:54:02 GMT

@Countingpennies wrote:
I was approved in April for $1000. Didn't ask for a CLI until October, went to $2500, my lowest CL at that time was $5000. I do bank with them. The CSR that called me was very nice, but asked a ton of questions. My CRs were frozen, so she got TU on the line and I gave him my pin.

uhhhg, that looks like it might take awhile.