topic Re: BoA app + CLI reqs for 1 HP? in Credit Cards

BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 01:22:33 GMT

is it possible to app for a BoA (BBR) then use that same HP for CLI requests (CR & TR)? if so, what's the best way to go about this? thanks in advance!

btw which CRA do they pull from for CLI?

my 2 BoA cards were pulled from EX. they both have the CLI buttons (since i can remember). both accounts are barely 1 yr old. never requested CLIs before.

i keep reading about BBR maybe being phased out soon so it got me thinking. :/

Re: BoA app + CLI reqs for 1 HP?

willwar14 — Tue, 16 Feb 2016 01:25:03 GMT

I wouldn't think so, because they mostly use EX for new apps, and TU for CLIs.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 01:42:03 GMT

oh well, i knew it was a stretch. thanks though! i'd still probaby chat/call and bug them about it.

speaking of a stretch, every month or so i've been bugging them to PC either one of my cards to BBR and every time, i get denied. lolz!

hey, i want to be that guy that fell through the BoA BBR PC crack!!!

Re: BoA app + CLI reqs for 1 HP?

FinStar — Tue, 16 Feb 2016 01:48:45 GMT

@Anonymous wrote:
oh well, i knew it was a stretch. thanks though! i'd still probaby chat/call and bug them about it.

speaking of a stretch, every month or so i've been bugging them to PC either one of my cards to BBR and every time, i get denied. lolz!

hey, i want to be that guy that fell through the BoA BBR PC crack!!!

Unless you can fall through the BOA "cracks" the BBR PC isn't happening. If your profile supports it, you can apply for multiple BBRs.

As far as an app and CLI - two HPs. Unless UW has some felxibility *after* you submit the application, and if approved, can discuss whether using the same HP for a CLI is possible - doubtful but YEMV.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 02:03:31 GMT

@FinStar wrote:
@Anonymous wrote:
oh well, i knew it was a stretch. thanks though! i'd still probaby chat/call and bug them about it.

speaking of a stretch, every month or so i've been bugging them to PC either one of my cards to BBR and every time, i get denied. lolz!

hey, i want to be that guy that fell through the BoA BBR PC crack!!!
Unless you can fall through the BOA "cracks" the BBR PC isn't happening. If your profile supports it, you can apply for multiple BBRs.

As far as an app and CLI - two HPs. Unless UW has some felxibility *after* you submit the application, and if approved, can discuss whether using the same HP for a CLI is possible - doubtful but YEMV.

hmm multiple BBR. can i app for it at the same time? or do they have to be spread apart, like 6 mos in between? my profile might be able to support it. and i've also been banking with them.

fwiw, im only eyeing 2 more cards to add into my arsenal - citi DC and BoA BBR. then i'd be pretty satisfied .. til something better comes along.

Re: BoA app + CLI reqs for 1 HP?

FinStar — Tue, 16 Feb 2016 02:03:36 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
oh well, i knew it was a stretch. thanks though! i'd still probaby chat/call and bug them about it.

speaking of a stretch, every month or so i've been bugging them to PC either one of my cards to BBR and every time, i get denied. lolz!

hey, i want to be that guy that fell through the BoA BBR PC crack!!!
Unless you can fall through the BOA "cracks" the BBR PC isn't happening. If your profile supports it, you can apply for multiple BBRs.

As far as an app and CLI - two HPs. Unless UW has some felxibility *after* you submit the application, and if approved, can discuss whether using the same HP for a CLI is possible - doubtful but YEMV.
hmm multiple BBR. can i app for it at the same time? or do they have to be spread apart, like 6 mos in between? my profile might be able to support it. and i've also been banking with them.

Applying for both BBRs at the same time will not yield the desired results. One of those applications could get cancelled/not approved as a duplicate - YEMV. For best results, if you get approved for the 1st BBR, then wait about ~6 months and apply for the 2nd one. Unless you have a lot parked with BOA and your current BOA cards have been established for a very long time, then that might not be an issue - otherwise, space things out.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 02:11:39 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
oh well, i knew it was a stretch. thanks though! i'd still probaby chat/call and bug them about it.

speaking of a stretch, every month or so i've been bugging them to PC either one of my cards to BBR and every time, i get denied. lolz!

hey, i want to be that guy that fell through the BoA BBR PC crack!!!
Unless you can fall through the BOA "cracks" the BBR PC isn't happening. If your profile supports it, you can apply for multiple BBRs.

As far as an app and CLI - two HPs. Unless UW has some felxibility *after* you submit the application, and if approved, can discuss whether using the same HP for a CLI is possible - doubtful but YEMV.
hmm multiple BBR. can i app for it at the same time? or do they have to be spread apart, like 6 mos in between? my profile might be able to support it. and i've also been banking with them.
Applying for both BBRs at the same time will not yield the desired results. One of those applications could get cancelled/not approved as a duplicate - YEMV. For best results, if you get approved for the 1st BBR, then wait about ~6 months and apply for the 2nd one. Unless you have a lot parked with BOA and your current BOA cards have been established for a very long time, then that might not be an issue - otherwise, space things out.

i see. TYVM! noob but eager to learn here. so any advice is greatly appreciated.

not that long with my cards - barely a year. and not a lot parked with BoA - 10-15K between my checking and savings.

thanks again!

Re: BoA app + CLI reqs for 1 HP?

willwar14 — Tue, 16 Feb 2016 02:16:26 GMT

If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 02:25:50 GMT

@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.

yeah, didn't know that at the time. noob! :/ i apped for those two, 35 days apart. needless to say, 2 EX HP! smh! but now im here and learning along the way. thanks to all the great members here. =)

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 02:29:23 GMT

@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.

I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 02:47:25 GMT

@Anonymous wrote:
@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.
I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.

well for a second there i thought of apping for BBR + TR + CR (then combine CLs then close!) but then that would bring my AAoA down MORE, right? and i don't really want that. my profile age can't really afford that. :/

Re: BoA app + CLI reqs for 1 HP?

FinStar — Tue, 16 Feb 2016 02:50:18 GMT

@Anonymous wrote:
@Anonymous wrote:
@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.
I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.
well for a second there i thought of apping for BBR + TR + CR (then combine CLs then close!) but then that would bring my AAoA down MORE, right? and i don't really want that. my profile age can't really afford that. :/

TBH, 3 BOA apps in a row (even within 30 days) won't fly with that short AAoA. Just focus on what's priority (i.e. BBR) and build from there.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 02:55:22 GMT

@Anonymous wrote:
@Anonymous wrote:
@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.
I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.
well for a second there i thought of apping for BBR + TR + CR (then combine CLs then close!) but then that would bring my AAoA down MORE, right? and i don't really want that. my profile age can't really afford that. :/

no no no no no lol. I would not advocate you do that...unless u had AAOA in years not months. How old are your current BOA cards? I see them approving you a HUGE CLI based on your amex ED limit. Well worth the HP. I would wait until July, app for 1 BBR, then use the 2nd HP to request CLI's on CR and TR. Maybe someone else might suggest you do the HP cli first, but you have enough limits with them to leverage an approval in the future.

It would all depend on your level of spend as well. If its not that high then the BBR is a no brainer. Your lineup right now is great, no nonsense, and the addition of a BBR in the future would seem fine to me.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 03:08:36 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.
I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.
well for a second there i thought of apping for BBR + TR + CR (then combine CLs then close!) but then that would bring my AAoA down MORE, right? and i don't really want that. my profile age can't really afford that. :/
no no no no no lol. I would not advocate you do that...unless u had AAOA in years not months. How old are your current BOA cards? I see them approving you a HUGE CLI based on your amex ED limit. Well worth the HP. I would wait until July, app for 1 BBR, then use the 2nd HP to request CLI's on CR and TR. Maybe someone else might suggest you do the HP cli first, but you have enough limits with them to leverage an approval in the future.

It would all depend on your level of spend as well. If its not that high then the BBR is a no brainer. Your lineup right now is great, no nonsense, and the addition of a BBR in the future would seem fine to me.

hahaha! i know. real newb here! thanks for guiding me back to the right path. for a second there my credit mind got murky. greedy i might add. but thanks for the compliment about my lineup. =) just need citi DC too!

btw my BoA cards are 1 yr & 1 yr and 2 mos. old.

.. now how to approach that impending CLIs and app?!? hmm i don't really need a high CL on it as i only plan to use it for netflix and get that $120/yearly (hoping it doesn't get phased out!). i guess it doesn't really matter not unless someone can chime on it.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 03:18:07 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.
I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.
well for a second there i thought of apping for BBR + TR + CR (then combine CLs then close!) but then that would bring my AAoA down MORE, right? and i don't really want that. my profile age can't really afford that. :/
no no no no no lol. I would not advocate you do that...unless u had AAOA in years not months. How old are your current BOA cards? I see them approving you a HUGE CLI based on your amex ED limit. Well worth the HP. I would wait until July, app for 1 BBR, then use the 2nd HP to request CLI's on CR and TR. Maybe someone else might suggest you do the HP cli first, but you have enough limits with them to leverage an approval in the future.

It would all depend on your level of spend as well. If its not that high then the BBR is a no brainer. Your lineup right now is great, no nonsense, and the addition of a BBR in the future would seem fine to me.
hahaha! i know. real newb here! thanks for guiding me back to the right path. for a second there my credit mind got murky. greedy i might add. but thanks for the compliment about my lineup. =) just need citi DC too!

btw my BoA cards are 1 yr & 1 yr and 2 mos. old.

I did not intend to put you on any path lol dont listen to me, I have done some odd things lately but you know how that goes. I would say based on your lack of inquiries.... have you had any recent CLIs with the TR or CR? If they arent of a significant amount, I would totally do the CLI on those right now. Ask for 20k total limit on each card, and if the computer comes back with something much less than that then you can call in to an analyst and request it to be re-evaluated and they will use the same HP for 30 days. (others may chime in and say ask for more or less so I settled in between).

Better to do them closer together so the same credit pull is used.

Ultimately do what works best for you. If adding another 20k would work wonders for your utilization. If what you have now works great, that HP could be worth more in the long run. I would assume one of the cards is also post intro APR, and you could also ask for an APR reduction during all of this too.

Unless of course you were above 35-40% util , then right now may not be the best time. IDK, the rep did agree with me when I was saying I wanted my limits to be more closely matched so I was not ever forced to pick one card over another. Your amex limit will come in handy for getting others to fall in line. At least it did with me.

Re: BoA app + CLI reqs for 1 HP?

Anonymous — Tue, 16 Feb 2016 03:48:15 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@willwar14 wrote:
If you are interested in getting 2 cards with BofA at the same time, I would rec applying for the Travel card and the Rewards card, both should use the same pull, my dad for example, applied for both at the same time, got double pulled EX and TU, both CRAs were around 800, both approved for a 22k and 12k SL.
I think generally speaking that is great advice, especially while the TR is at $200 and the CR has $175. OP already has both of these and I would guess it could be approved....but better off to do BBR solo....or if desperate combine with cobranded card. I would make this the exception that using 1 hp is just fine for 1 card especially one that easily pays out $120 year after year...but geez who knows how much longer that will continue? I have heard that BBR's are not going to be available next year, but do u think BOA would alienate its members and nerf the rewards on the existing cards? I wouldn't hate them if they did but I would think less of them.
well for a second there i thought of apping for BBR + TR + CR (then combine CLs then close!) but then that would bring my AAoA down MORE, right? and i don't really want that. my profile age can't really afford that. :/
no no no no no lol. I would not advocate you do that...unless u had AAOA in years not months. How old are your current BOA cards? I see them approving you a HUGE CLI based on your amex ED limit. Well worth the HP. I would wait until July, app for 1 BBR, then use the 2nd HP to request CLI's on CR and TR. Maybe someone else might suggest you do the HP cli first, but you have enough limits with them to leverage an approval in the future.

It would all depend on your level of spend as well. If its not that high then the BBR is a no brainer. Your lineup right now is great, no nonsense, and the addition of a BBR in the future would seem fine to me.
hahaha! i know. real newb here! thanks for guiding me back to the right path. for a second there my credit mind got murky. greedy i might add. but thanks for the compliment about my lineup. =) just need citi DC too!

btw my BoA cards are 1 yr & 1 yr and 2 mos. old.
I did not intend to put you on any path lol dont listen to me, I have done some odd things lately but you know how that goes. I would say based on your lack of inquiries.... have you had any recent CLIs with the TR or CR? If they arent of a significant amount, I would totally do the CLI on those right now. Ask for 20k total limit on each card, and if the computer comes back with something much less than that then you can call in to an analyst and request it to be re-evaluated and they will use the same HP for 30 days. (others may chime in and say ask for more or less so I settled in between).

Better to do them closer together so the same credit pull is used.

Ultimately do what works best for you. If adding another 20k would work wonders for your utilization. If what you have now works great, that HP could be worth more in the long run. I would assume one of the cards is also post intro APR, and you could also ask for an APR reduction during all of this too.

Unless of course you were above 35-40% util , then right now may not be the best time. IDK, the rep did agree with me when I was saying I wanted my limits to be more closely matched so I was not ever forced to pick one card over another. Your amex limit will come in handy for getting others to fall in line. At least it did with me.

well im really trying to keep on top of my credit (now! my card lineup was done before i got here. so i only went with my guts and yeah the cashbacks and rewards! but i guess it worked out! lol!). and this community is really fun, productive and very helpful. so thanks to all!

anyway, no recent CLIs on TR & CR. none ever. i'll probably do CLIs after my CL reallocation with chase finished posting in the next 2 weeks. *can't hurt, right? *i keep forgetting that i only have 1 inquiry for each of my other CR not named EX. good problem to have i guess. =p

my utilization is always under <10% for each and all accross cards (4% right now). although the 0% apr cards (3 of them) i carry a balance but pay more than enough to keep it <10% uti.

thanks again! i appreciate all the help! i'll note all those advice and will update here when i do the deed/s! =)