topic Re: BOA CLI in Credit Cards

BOA CLI

Anonymous — Mon, 27 Feb 2017 20:30:53 GMT

hello community , wanted to know after a secured card graduated , will they charge a hard pullor soft if i apply for cli online. which one is it usually. thanks in advance for all your responses!!

Re: BOA CLI

Anonymous — Mon, 27 Feb 2017 20:33:02 GMT

BOA cli will result in a hardpull.

Re: BOA CLI

Anonymous — Mon, 27 Feb 2017 20:35:30 GMT

thanks for the quick response, guess i'll just wait for them to auto increase it whenever that is..

Re: BOA CLI

Anonymous — Mon, 27 Feb 2017 20:36:51 GMT

@Anonymous wrote:
thanks for the quick response, guess i'll just wait for them to auto increase it whenever that is..

How long have you had the card? Sometimes, a hardpull can be a good thing if it warrants you getting a good limit on your credit card.

Re: BOA CLI

roxy72 — Mon, 27 Feb 2017 20:39:08 GMT

BOA will always hit you with a hard pull. I've been with BOA credit card holder since 2008 and I litterally had to fight, argue and threaten to close my account after I requested a cli of $2400. I started out with a secured card with a limit of $300. Never been late on a payment, to date. Never recvd a increase till 2016.

Re: BOA CLI

EW800 — Mon, 27 Feb 2017 21:00:09 GMT

I don't know anything about transitioning from their secured program, but will agree with others that B of A can be no fun to deal with when it comes to CLI's. My first card from my late teen years a few decades ago is a B of A card. I still have it. It still has a $700 CL after a few decades, with never a late payment. I have other cards with CL's in the $30K to $60K range, yet B of A is keeping me at $700. I refuse to take a HP for an increase and obviously the card gets very little use at that CL. I charge maybe a fast food lunch every few months, just to keep it open for the AAoA help, but that's it.

Re: BOA CLI

noobody — Tue, 28 Feb 2017 00:53:56 GMT

My 5K SL still 5000 after eleven years.
HP CLI request was declined around 2011 for lack of usage with over 780 fico.
They did offer me 150 statement credit after 500 spending last year, because of lack of usage. I gladly took it.

Re: BOA CLI

Anonymous — Fri, 30 Jun 2017 00:32:28 GMT

BoA just gave me a "ninja CLI" on my Travel Rewards. Bumped it from 12k to 15k.

No notice. No letter. No online message. Nothing. I didn't ask for it, didn't expect it, haven't been doing anything unusual with the card. My FICO recently jumped from `760 to `780 on the score that BoA is tracking. Maybe that's why?

I just noticed my limit is now printed as 15k on my most recent statement and online. My last statement had the lower limit.

Not complaining!!!

Re: BOA CLI

fltireguy — Fri, 30 Jun 2017 00:34:18 GMT

BOA has been nothing less than AWESOME with me. They are right up there with NFCU in my books - look at my post in approvals from earlier today for my most recent CLI. And it was NOT a HP..!

I could NEVER complain about a bank that gave me a 99/500 partially secured card last May... which usecured at 5 months.. and with todays CLI, now sits at a $5500 CL...

As always, YMMV.. Apparently they like me. And I like them, and use their card a LOT

Re: BOA CLI

luxeprw9 — Fri, 30 Jun 2017 01:15:01 GMT

@fltireguy wrote:
BOA has been nothing less than AWESOME with me. They are right up there with NFCU in my books - look at my post in approvals from earlier today for my most recent CLI. And it was NOT a HP..!

I could NEVER complain about a bank that gave me a 99/500 partially secured card last May... which usecured at 5 months.. and with todays CLI, now sits at a $5500 CL...

As always, YMMV.. Apparently they like me. And I like them, and use their card a LOT

I saw your thread and commented. Congrats!

How did you manage a SP CLI? I use my card a lot as well, but still stuck at $500. I like stated before, I do have a CH13 reporting but is due to fall off early next year.

Re: BOA CLI

Anonymous — Fri, 30 Jun 2017 01:42:31 GMT

I have had BoA cash rewards for 5 months and I hit the CLI button last week but I didn't get instant answer. One week later I logged into my account yesterday and saw $500 increase well well well better than nothing after 5 months 😃. Now the button disappear but I'm sure it will pop up again. I'm happy with BoA of their services, they waive me the annual fees and gave me a cli just after 5 months. They are awesome to me 😊And I love the 2% cash back on grocery 😊

Re: BOA CLI

cmm89 — Fri, 30 Jun 2017 02:17:04 GMT

BoA has been unbelievably awesome to work with for me... but as everyone says, YMMV.

I was in default on my student loans up until early May and my score jumped from the high 500's to mid-to-high 600's. I have an IRA with ML (perhaps that's why they like me so much) and I applied for the Travel Rewards card. Started me with a 3.7K CL (highest by nearly double) in June. Just today, only 33 days after I opened the account, I applied for a CLI (hard pull) and they bumped me up to $10K. The button is still there even with my new CL.... ha! Citi and Cap1 don't seem to be too big on me, especially Citi. Barclays hates me too; don't really care .

Re: BOA CLI

wanttobeinthe700club — Sat, 01 Jul 2017 03:44:09 GMT

My 12 month statement will cut on 7/8 and I'm hoping that it will graduate. Just like Citi Secured, I got these cards to get a foot in the door. I know Citi doesn't graduate until 18 months. I will update if I get it unsecured.