topic Re: BOA has me irritated with CLI in Credit Cards

BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 00:30:15 GMT

I have a total of 3 BOA cards. Two of them I have had over 2 years. I have NEVER received an increase on any of them. I have always found that odd. Any CLI that I would ask for involves a hard pull with them and honestly, I'm not willing to take it. So, I have never hit the love button, but have always found it strange they have never given me an increase after this amount of time.

So tonight I decide to contact them (the most annoying rep "chat" convo ever...he was so confusing). Anyhow, in the end, they proceed to tell me that the CUSTOMER has to call them and tell them "Turn on my auto increase button"...like seriously? We are supposed to know that this is not something that automatically happens within your company like it does every other company that I have ever dealt with? We have to tell you that we want an increase when available?? Seriously? I'm completely stunned at this. Anyone else with BOA had this same issue or had to "tell them" they want their auto increase button turned on?

So he claims he "flipped my button" and it will take about 3-4 months of them reviewing to offer an automatic increase.

I'm still stunned....

Re: BOA has me irritated with CLI

Anonymous — Fri, 08 Apr 2016 00:36:59 GMT

First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.

Re: BOA has me irritated with CLI

Anonymous — Fri, 08 Apr 2016 00:41:13 GMT

Smh at Bofa...I guess the button is flipped to "on" now for auto cli. Wow haha. Just got to sit tight for another 3-4 months. Good luck!

Re: BOA has me irritated with CLI

NRB525 — Fri, 08 Apr 2016 00:42:31 GMT

Can't say I've ever talked with a BofA CSR about CLI.

I did have higher limits on my older two BofA cards, along with hefty balances. This led to CLD balance chasing after the credit crisis hit, until early 2013 when the CLD stopped. At that point my BofA AMEX was at $12,700, down from $24,000 limit in early 2008.

In early 2015, they gave me an auto CLI on that AMEX of $3,000 to $15,700. It was a good day when I noticed that.

So it may be that they would tell me they turned on the CLI / CLD switch for me back in the day, and that results in the dynamic CL changes

What is your usage on the three BofA cards? Limits?

Re: BOA has me irritated with CLI

Anonymous — Fri, 08 Apr 2016 00:42:57 GMT

@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.

Re: BOA has me irritated with CLI

Anonymous — Fri, 08 Apr 2016 00:44:45 GMT

I have received CLI's online and reduced interest rates in chat. When the option appears online for your card you can click and get consideration for a CLI.

Re: BOA has me irritated with CLI

CreditMagic7 — Fri, 08 Apr 2016 00:52:57 GMT

@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.

Oh no something to hear like that is not new at all. (if it does actually exists)

Dunno about BofA besides OP's experience from that correspondence but i do know, and it's been posted as much, that Barclays has that "flip the button" thing in play for auto-cli's. So it's been told to some their cardholders anyway.

Or they used to anyway. Barclays might have even changed that after they pulled their prequal off air way back when but Barclays are the one's i first heard about a "auto-cli button" for computer generated auto raises to limits.

With BofA you CANNOT simply sit back and wait. You have to be proactive and go after the limit you expect. They are not softies and WILL require a solid HP but you bet your boots that they do make it well worth the pull for many here.

Bottom line is don't just relax and think no matter how well you handle all your accounts including BofA they will eventually SP CLI those cards because they won't, except some lucky few as of late who have been getting them like that.

If you need a better limit with BofA you MUST be aggressive and work for it and if that means a HP so be it.

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:23:24 GMT

@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.

Yea, me too. I mean why is this the only company I have EVER dealth with that a customer would have to call in to ask for this mysterious button to be turned on? LOL

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:23:49 GMT

@Anonymous wrote:
Smh at Bofa...I guess the button is flipped to "on" now for auto cli. Wow haha. Just got to sit tight for another 3-4 months. Good luck!

Right...I was smh too.

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:27:45 GMT

@NRB525 wrote:
Can't say I've ever talked with a BofA CSR about CLI.

I did have higher limits on my older two BofA cards, along with hefty balances. This led to CLD balance chasing after the credit crisis hit, until early 2013 when the CLD stopped. At that point my BofA AMEX was at $12,700, down from $24,000 limit in early 2008.
In early 2015, they gave me an auto CLI on that AMEX of $3,000 to $15,700. It was a good day when I noticed that.
So it may be that they would tell me they turned on the CLI / CLD switch for me back in the day, and that results in the dynamic CL changes

What is your usage on the three BofA cards? Limits?

My BOA are as follows:

BOA Cash Rewards Visa-opened feb 2014 with a limit of $6k

NCL BOA-opened feb 2014 with a limit of $8k

Nursing Visa Signature open 6 months ago with a limit of $11k

Never late on ANY of my cards. Always PIF either before cutting or at cut. So $0 balance on cards. Perfect credit. No baddies. Scores are in my signature.

Re: BOA has me irritated with CLI

pipeguy — Fri, 08 Apr 2016 01:33:34 GMT

I took 3 HP's trying to get a CLI (the BoA card was my lowest bank card limit) over a 16 month period - always PIF, never did get a CLI ended up closing the card and adding BoA to my "don't bother with their products" list.

Re: BOA has me irritated with CLI

Anonymous — Fri, 08 Apr 2016 01:33:46 GMT

I never knew that there was a switch how retarded of boa. This bank is tooo way too stingy

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:33:52 GMT

@Anonymous wrote:
I have received CLI's online and reduced interest rates in chat. When the option appears online for your card you can click and get consideration for a CLI.

What is this "when the option appears online" button you are talking about? There's always a CLI button on mine that you can "ask" for one. I don't want to ASK for one because then they will do a HP and I don't want that. I want them to just do it on their own. Also in chat if you "ask" for one, it's a HP. I'm never too interested in the interest rates since I never carry a balance.

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:41:22 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.
Oh no something to hear like that is not new at all. (if it does actually exists)

Dunno about BofA besides OP's experience from that correspondence but i do know, and it's been posted as much, that Barclays has that "flip the button" thing in play for auto-cli's. So it's been told to some their cardholders anyway.
Or they used to anyway. Barclays might have even changed that after they pulled their prequal off air way back when but Barclays are the one's i first heard about a "auto-cli button" for computer generated auto raises to limits.

With BofA you CANNOT simply sit back and wait. You have to be proactive and go after the limit you expect. They are not softies and WILL require a solid HP but you bet your boots that they do make it well worth the pull for many here.

Bottom line is don't just relax and think no matter how well you handle all your accounts including BofA they will eventually SP CLI those cards because they won't, except some lucky few as of late who have been getting them like that.

If you need a better limit with BofA you MUST be aggressive and work for it and if that means a HP so be it.

Well now that you brought up Barclays...I have a Sallie Mae card as well that has NEVER had a CLI either. I have been stuck at 10k since I got it March 2014. So you are saying this IS a company that has this "flip button" that you have to get them to turn it on as well?

I refuse to have a HP put on my credit by asking for an increase...even with BOA or Sallie. I just don't want it. I have plenty of cards with good limits, so it's not like I "need" an increase, I just like to see those limits go up. But not at the expense of being put on my credit report.

I only have 1 HP on my TU credit report and it drops off in Aug and 2 HP on my EQ that will drop off Jan & Oct of next year.

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:44:43 GMT

@pipeguy wrote:
I took 3 HP's trying to get a CLI (the BoA card was my lowest bank card limit) over a 16 month period - always PIF, never did get a CLI ended up closing the card and adding BoA to my "don't bother with their products" list.

Well that sucks. I have gotten to the point I stopped using my reg BOA like I use to because of no increase. I still use the NCL one for cruising since we get double the points and I can use it for OBC on our cruises. The Nursing one I got because it was JUST FRICKEN COOL to have one that said nursing on it. LOL

At this point, if they don't automatically increase in the 3-4 months like this rep said, I'll sock drawer them and use the cards that treat me better and only put a $10 charge on these every few months to keep them active.

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:46:15 GMT

@Anonymous wrote:
I never knew that there was a switch how retarded of boa. This bank is tooo way too stingy

Exactly. Never heard of this before on ANY cards. So I completely had no clue how to respond to this. LOL It's definitely being a bit stingy, which is surprising when there are so many other competitive cards out there willing to give increases as seen fit.

Re: BOA has me irritated with CLI

CreditMagic7 — Fri, 08 Apr 2016 01:51:20 GMT

@audia4 wrote:
@CreditMagic7 wrote:
@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.
Oh no something to hear like that is not new at all. (if it does actually exists)

Dunno about BofA besides OP's experience from that correspondence but i do know, and it's been posted as much, that Barclays has that "flip the button" thing in play for auto-cli's. So it's been told to some their cardholders anyway.
Or they used to anyway. Barclays might have even changed that after they pulled their prequal off air way back when but Barclays are the one's i first heard about a "auto-cli button" for computer generated auto raises to limits.

With BofA you CANNOT simply sit back and wait. You have to be proactive and go after the limit you expect. They are not softies and WILL require a solid HP but you bet your boots that they do make it well worth the pull for many here.

Bottom line is don't just relax and think no matter how well you handle all your accounts including BofA they will eventually SP CLI those cards because they won't, except some lucky few as of late who have been getting them like that.

If you need a better limit with BofA you MUST be aggressive and work for it and if that means a HP so be it.

Well now that you brought up Barclays...I have a Sallie Mae card as well that has NEVER had a CLI either. I have been stuck at 10k since I got it March 2014. So you are saying this IS a company that has this "flip button" that you have to get them to turn it on as well?

I refuse to have a HP put on my credit by asking for an increase...even with BOA or Sallie. I just don't want it. I have plenty of cards with good limits, so it's not like I "need" an increase, I just like to see those limits go up. But not at the expense of being put on my credit report.

I only have 1 HP on my TU credit report and it drops off in Aug and 2 HP on my EQ that will drop off Jan & Oct of next year.

That's exactly what i'm saying and has been confirmed by more than a few members here who posted on that "magic auto cli button" which no doubt is computer model generated if they even still use such a control.

That's what i call it anyway, a form of control.

Call barclays sometime and ask about that. No joke.

Re: BOA has me irritated with CLI

audia4 — Fri, 08 Apr 2016 01:54:33 GMT

@CreditMagic7 wrote:
@audia4 wrote:
@CreditMagic7 wrote:
@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.
Oh no something to hear like that is not new at all. (if it does actually exists)

Dunno about BofA besides OP's experience from that correspondence but i do know, and it's been posted as much, that Barclays has that "flip the button" thing in play for auto-cli's. So it's been told to some their cardholders anyway.
Or they used to anyway. Barclays might have even changed that after they pulled their prequal off air way back when but Barclays are the one's i first heard about a "auto-cli button" for computer generated auto raises to limits.

With BofA you CANNOT simply sit back and wait. You have to be proactive and go after the limit you expect. They are not softies and WILL require a solid HP but you bet your boots that they do make it well worth the pull for many here.

Bottom line is don't just relax and think no matter how well you handle all your accounts including BofA they will eventually SP CLI those cards because they won't, except some lucky few as of late who have been getting them like that.

If you need a better limit with BofA you MUST be aggressive and work for it and if that means a HP so be it.

Well now that you brought up Barclays...I have a Sallie Mae card as well that has NEVER had a CLI either. I have been stuck at 10k since I got it March 2014. So you are saying this IS a company that has this "flip button" that you have to get them to turn it on as well?

I refuse to have a HP put on my credit by asking for an increase...even with BOA or Sallie. I just don't want it. I have plenty of cards with good limits, so it's not like I "need" an increase, I just like to see those limits go up. But not at the expense of being put on my credit report.

I only have 1 HP on my TU credit report and it drops off in Aug and 2 HP on my EQ that will drop off Jan & Oct of next year.
That's exactly what i'm saying and has been confirmed by more than a few members here who posted on that "magic auto cli button" which no doubt is computer model generated if they even still use such a control.

That's what i call it anyway, a form of control.

Call barclays sometime and ask about that. No joke.

Wow, that is amazing. Who would have ever thought. I will have to go back and do a search and see what others are posting and read up. I went to the "contact us" button on my Sallie just now and sent a message regarding the CLI and hopefully they will respond. If not, I guess I will be calling.

Re: BOA has me irritated with CLI

CreditMagic7 — Fri, 08 Apr 2016 02:05:50 GMT

@audia4 wrote:
@CreditMagic7 wrote:
@audia4 wrote:
@CreditMagic7 wrote:
@Anonymous wrote:
First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.
Oh no something to hear like that is not new at all. (if it does actually exists)

Dunno about BofA besides OP's experience from that correspondence but i do know, and it's been posted as much, that Barclays has that "flip the button" thing in play for auto-cli's. So it's been told to some their cardholders anyway.
Or they used to anyway. Barclays might have even changed that after they pulled their prequal off air way back when but Barclays are the one's i first heard about a "auto-cli button" for computer generated auto raises to limits.

With BofA you CANNOT simply sit back and wait. You have to be proactive and go after the limit you expect. They are not softies and WILL require a solid HP but you bet your boots that they do make it well worth the pull for many here.

Bottom line is don't just relax and think no matter how well you handle all your accounts including BofA they will eventually SP CLI those cards because they won't, except some lucky few as of late who have been getting them like that.

If you need a better limit with BofA you MUST be aggressive and work for it and if that means a HP so be it.

Well now that you brought up Barclays...I have a Sallie Mae card as well that has NEVER had a CLI either. I have been stuck at 10k since I got it March 2014. So you are saying this IS a company that has this "flip button" that you have to get them to turn it on as well?

I refuse to have a HP put on my credit by asking for an increase...even with BOA or Sallie. I just don't want it. I have plenty of cards with good limits, so it's not like I "need" an increase, I just like to see those limits go up. But not at the expense of being put on my credit report.

I only have 1 HP on my TU credit report and it drops off in Aug and 2 HP on my EQ that will drop off Jan & Oct of next year.
That's exactly what i'm saying and has been confirmed by more than a few members here who posted on that "magic auto cli button" which no doubt is computer model generated if they even still use such a control.

That's what i call it anyway, a form of control.

Call barclays sometime and ask about that. No joke.
Wow, that is amazing. Who would have ever thought. I will have to go back and do a search and see what others are posting and read up. I went to the "contact us" button on my Sallie just now and sent a message regarding the CLI and hopefully they will respond. If not, I guess I will be calling.

I like to share some posts about that but one of them i believe is buried well inside the 969 reply topic "Barclays, let's put our heads together" thread and there's not enough time tonight to dig that out.

If you do call just hint around about that. I'm not sure if all of their U/W staff is equipped with it or if it's even still used because most people JUST LIKE YOU FOUND OUT had no idea either.

And none of us really know if it's just a canned response to throw us off or it is indeed a real deal.

Re: BOA has me irritated with CLI

Peteyglad — Fri, 08 Apr 2016 02:07:13 GMT

With BOA I had better luck combining cards than waiting for a soft pull CLI.