topic Re: Bank America CLI or new card in Credit Cards

Bank America CLI or new card

Anonymous — Wed, 07 Dec 2016 21:49:38 GMT

My CRAs just cleared up and went from 680s to 740s.

Have a Cash rewards at 1500 used to be 500 partial secured.

Interested in Alaska or Travel rewards.

Unfortunately in my area they pull EX for new apps so can't use the TU CLI pull for app.

Should I go for a CLI first or the new card?

Was declined in October for INQ but had 2 negs at the time I don't have now

Thanks

Re: Bank America CLI or new card

Anonymous — Thu, 08 Dec 2016 00:35:18 GMT

I'm in a similar situation and would like to know as well

Re: Bank America CLI or new card

Peteyglad — Thu, 08 Dec 2016 02:18:19 GMT

I haven't gotten a new BOA card in a while, but I have been very satisfied with their CLI's.

Re: Bank America CLI or new card

AverageJoesCredit — Thu, 08 Dec 2016 02:31:49 GMT

Go for whats most important to you, a cli, or the new card. Since your profile has improved since last rejection you may come off better if you have to recon. Good luck on decision

Re: Bank America CLI or new card

android01 — Thu, 08 Dec 2016 02:31:54 GMT

@Anonymous wrote:
My CRAs just cleared up and went from 680s to 740s.

Have a Cash rewards at 1500 used to be 500 partial secured.

Interested in Alaska or Travel rewards.

Unfortunately in my area they pull EX for new apps so can't use the TU CLI pull for app.

Should I go for a CLI first or the new card?

Was declined in October for INQ but had 2 negs at the time I don't have now

Thanks

Go for the CLI which will be a hard pull on TU. Shoot for the moon as far as CL. They'll counter or approve you outright. They're good at giving a reasonable CLI based on your history with them.