topic Re: BofA CLIs in Credit Cards

BofA CLIs

JSS3 — Tue, 22 Mar 2016 20:12:27 GMT

We're always told that we receive the limits/increases that our own personal profiles support. However, I've been reading some threads and see a pattern with BofA computed generated limits despite different profiles.

I see this pattern 2,500 > 6,500 > 10,000 > 18,000 and so on. Seemingly, they first give 4,000 increases then 8-9,000 increases. Afterwards, people call in to recon those increases to the original requested amount. Usually getting them.

I was at 14,000 on BofA. Requested an increase to 25,000 and was given one to 23,000. 9,000 CLI. I then went and asked for an increase on another card and got the full amount. Only thing is they deducted that requested amount from my 23,000; bringing it down to 9,000. I'm obviously at my internal limit right now. No biggie. However, I am wondering if when I do try to raise it to 23,000 again(as I know I at least qualified for that currently. My profile will only approve, and so should my internal limit with BofA), will I be given it to at least 23,000 again from 9,000(by this time my other BofA card will no longer be with Bofa so my overall exposure will only be on one card)? They were ok with me having 23,000 on one of their cards before.

If we're actually given what our profiles dictate using our internal scores with BofA, then I should be able to get a computer generated approval with one hard pull in the coming months without having to recon. However, if it's incremental, then I will most likely get a 5,000 increase from the computer because it sees my current limit as 9,000 and will go up one level.

Can everyone share their Bofa computer generated increases?

Re: BofA CLIs

Anonymous — Tue, 22 Mar 2016 20:29:31 GMT

Can everyone share their Bofa computer generated increases?

Yes.

My account opened 9/15 starting limit $2,100. Computer increased to $6,600, credit analyst later approved the full $15,000

partners account opened 4/15 starting limit $9,000, computer increased to $16,000, we asked for 20k, analyst approved to $18,000

Re: BofA CLIs

JSS3 — Tue, 22 Mar 2016 20:37:59 GMT

@jfriend33

Those increases fall right in line with my observations regarding their computer increases. So it's not about granting you what your profile deserves, it's about the increments. That is until you ask a human.

Re: BofA CLIs

Anonymous — Tue, 22 Mar 2016 20:42:14 GMT

Visa
BankAmericard Cash Rewards
Credit Line
$ 2,000.00	2012
$ 4,000.00	Jun-13
$ 8,100.00	May-14
$ 12,000.00	Feb-15
$ 16,000.00	Jun-15
$ 17,500.00	Oct-15
$ 23,400.00	Feb-16

Re: BofA CLIs

JSS3 — Tue, 22 Mar 2016 20:46:48 GMT

@East2West

Hmm, I see the 4,000 pattern, but your other increases differ from what I've seen. A 1,500 increase???? These are all computer generated right? No random soft pull?

Re: BofA CLIs

Anonymous — Tue, 22 Mar 2016 20:48:20 GMT

To add:

I was at $5,000 and requested $15,000, countered with $10,100. At least one other poster here had that exact scenario play out not very long ago.

Re: BofA CLIs

Anonymous — Tue, 22 Mar 2016 20:51:54 GMT

just checked TU and I have 5 HP's for the increases within the last two years so I must have requested the increases online (i didn't know they were HP's at the time lol oh well)

Re: BofA CLIs

JSS3 — Tue, 22 Mar 2016 21:00:12 GMT

I'm still shocked at the 1500 increase. BofA is known for being generous with increases. Both via hard pull then adding more after recon'ing.

I've never read of any others getting so low. That's like Citi and Discover territory BUT they're both usually soft pulls.

Re: BofA CLIs

Anonymous — Tue, 22 Mar 2016 21:13:49 GMT

Well this is still an interesting topic to me. I guess I feel like I conquered BOA. No matter what last summer they wouldnt touch me. And I don't blame them. I opened Amazon, 3 amex cards,1 chase, and 1 citi card by that point. I did a joint account and luckily the HPs merged. Now the account is just in my name.

I have been with BOA roughly 6 months. I am a customer for life. I am trying to figure out when would be a good time to apply solo with them. I would LOVE to app for 2 BBRs with them, and maybe even throw in a $200 cash rewards card. I bet that if I did get approved the starting limits would be in the 6k range and nowhere near my current limit with them.

I just found out that you do not have to have a savings account to get the 10% bonus or the extra with the BBRs. As long as you send your rewards to a persons BOA checking or savings account, the bonus is added on. That is pretty cool!

Re: BofA CLIs

JSS3 — Tue, 22 Mar 2016 21:23:33 GMT

^ rumor has it the BBR will be discontinued in the next few months.

Re: BofA CLIs

Anonymous — Wed, 23 Mar 2016 00:57:21 GMT

@JSS3 wrote:
^ rumor has it the BBR will be discontinued in the next few months.

yes I have heard that too. where did u see that? I have heard that after 2016 its gone but will still continue to pay for existing cardholders