topic Re: BoA CLI Increase 7-10 day message in Credit Cards

BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 02:57:19 GMT

Hey guys, I requested a CLI on my BoA card and received the 7-10 day message. I requested it go from $2,000 to $10,000. Is this an auto denial or is it a likely approval after review during the business day? My highest limit is now $15,000. Thanks guys!

Re: BoA CLI Increase 7-10 day message

kdm31091 — Mon, 06 Jul 2015 03:38:40 GMT

I don't have BOA but it sounds like a decline. You can always call and see if they'll give you maybe part of what you asked for. IMO, always better to speak to an actual person so you can explain why you need it.

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 03:40:51 GMT

@kdm31091 wrote:
I don't have BOA but it sounds like a decline. You can always call and see if they'll give you maybe part of what you asked for. IMO, always better to speak to an actual person so you can explain why you need it.

I just spoke with a CSR and they said because I requested over $2,000 they would have to manually review it, but they couldn't currently because they don't work on Sundays and if I'm approved I should see the changes reflected in my account within 3 days if approved. She said if I was declined I would receive a letter in 7 to 10 days.

Re: BoA CLI Increase 7-10 day message

Anonymous — Mon, 06 Jul 2015 03:45:15 GMT

Since you too the hp, call the credit analyst tomorrow There's a sticky with all the numbers to call.

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 03:48:44 GMT

@Anonymous wrote:
Since you too the hp, call the credit analyst tomorrow There's a sticky with all the numbers to call.

I will. Does that sound about right what the CSR told me?

Re: BoA CLI Increase 7-10 day message

Anonymous — Mon, 06 Jul 2015 03:52:09 GMT

@xXIDaShizIXx wrote:
@kdm31091 wrote:
I don't have BOA but it sounds like a decline. You can always call and see if they'll give you maybe part of what you asked for. IMO, always better to speak to an actual person so you can explain why you need it.
I just spoke with a CSR and they said because I requested over $2,000 they would have to manually review it, but they couldn't currently because they don't work on Sundays and if I'm approved I should see the changes reflected in my account within 3 days if approved. She said if I was declined I would receive a letter in 7 to 10 days.

Yes. CSR is not credit analyst. You will get further with them. And it would be an instant answer. Did this witht the red 1,2,3 and will do it again with my other low limit card to a travel rewards. Got 12k which I was not expecting.

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 03:58:06 GMT

@Anonymous wrote:
@xXIDaShizIXx wrote:
@kdm31091 wrote:
I don't have BOA but it sounds like a decline. You can always call and see if they'll give you maybe part of what you asked for. IMO, always better to speak to an actual person so you can explain why you need it.
I just spoke with a CSR and they said because I requested over $2,000 they would have to manually review it, but they couldn't currently because they don't work on Sundays and if I'm approved I should see the changes reflected in my account within 3 days if approved. She said if I was declined I would receive a letter in 7 to 10 days.
Yes. CSR is not credit analyst. You will get further with them. And it would be an instant answer. Did this witht the red 1,2,3 and will do it again with my other low limit card to a travel rewards. Got 12k which I was not expecting.

Awesome thanks. I'll be contacting them in the morning.

Re: BoA CLI Increase 7-10 day message

Marcos8 — Mon, 06 Jul 2015 04:06:47 GMT

Give it a few hours tomorrow. A 7-10 is not necessarily a bad thing with BOA. I have gotten a 7-10 and then logged out and then back in 5 min later and had the new requested amount showing. There's no rush with this since your HP will be good for 30 days. If you log in by the end of business day tomorrow and don't see the increase the call a credit analyst. You may get what you want just give it a sec.

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 04:12:22 GMT

@Marcos8 wrote:
Give it a few hours tomorrow. A 7-10 is not necessarily a bad thing with BOA. I have gotten a 7-10 and then logged out and then back in 5 min later and had the new requested amount showing. There's no rush with this since your HP will be good for 30 days. If you log in by the end of business day tomorrow and don't see the increase the call a credit analyst. You may get what you want just give it a sec.

Awesome. I've heard that before on the boards. It would be nice. I'll let you guys know how it goes.

Re: BoA CLI Increase 7-10 day message

Marcos8 — Mon, 06 Jul 2015 04:18:01 GMT

If by tomorrow night you don't see it reflected in your account call the backdoor credit analyst number Tuesday. Good luck!

Re: BoA CLI Increase 7-10 day message

Anonymous — Mon, 06 Jul 2015 05:11:11 GMT

You're very welcome.

Re: BoA CLI Increase 7-10 day message

Anonymous — Mon, 06 Jul 2015 10:33:32 GMT

@xXIDaShizIXx wrote:
@kdm31091 wrote:
I don't have BOA but it sounds like a decline. You can always call and see if they'll give you maybe part of what you asked for. IMO, always better to speak to an actual person so you can explain why you need it.
I just spoke with a CSR and they said because I requested over $2,000 they would have to manually review it, but they couldn't currently because they don't work on Sundays and if I'm approved I should see the changes reflected in my account within 3 days if approved. She said if I was declined I would receive a letter in 7 to 10 days.

Interesting, when I applied for a CLI I applied for a 6k increase and it was an instant approval (I've been banking with them for years though, so that may have been an influence). I agree you should wait to see what today brings but just providing a data point. Good luck!

Re: BoA CLI Increase 7-10 day message

ddemari — Mon, 06 Jul 2015 16:24:24 GMT

Ya I would say that with a 728 fico they would at least counter you if not give you the full amount.

I think you are going to get it. When you call in, have them match the 15k card.

They are helpful! But, that 7-10 day message in my experience always resulted in denial although some say it works out when they log back in a few days later.

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 17:09:02 GMT

@ddemari wrote:
Ya I would say that with a 728 fico they would at least counter you if not give you the full amount.
I think you are going to get it. When you call in, have them match the 15k card.

They are helpful! But, that 7-10 day message in my experience always resulted in denial although some say it works out when they log back in a few days later.

Well I woke up this morning and was countered at $5,000. I'll take it for now! I called in and upgraded to the visa signature and the new design as well

Re: BoA CLI Increase 7-10 day message

OmarGB9 — Mon, 06 Jul 2015 17:10:39 GMT

Grats on the success!

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 17:30:21 GMT

@OmarGB9 wrote:
Grats on the success!

Thank you! It feels like I'm starting to have success now that I've been on here nearly 2 years lol!

Re: BoA CLI Increase 7-10 day message

Anonymous — Mon, 06 Jul 2015 20:05:14 GMT

Congrats on your success!

Re: BoA CLI Increase 7-10 day message

ddemari — Mon, 06 Jul 2015 20:06:43 GMT

congrats! nice to know that their is some hope in that message!

Re: BoA CLI Increase 7-10 day message

xXIDaShizIXx — Mon, 06 Jul 2015 20:11:13 GMT

@ddemari wrote:
congrats! nice to know that their is some hope in that message!

Thank you guys! The message that the CSR read to me was a little odd. They said that I wasn't granted the full increase because of not enough usage. I would always run about $3,000 through it every month, always pay in full and report a $0 balance. Eh. I'll look at the letter when I get it. I'm definitely happy to be building relationships with lenders now though.