topic Re: BOA: Combine Pulls between CLI and New Application? in Credit Cards

BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 21:56:00 GMT

Hey Guys,

So I was approved today for Merril+ Visa Signature Card (50k point after 3k spent). In my State BOA always pulls EX for new applications and TU for CLIs. I applied via phone, CSR put me on hold and after reviewing report from TU came back and congratulated me saying that I was approved for 10K SL

I have a Cash Rewards card with them for 2+ years with a messy $1700 limit. Now does anyone know if I go online and submit a CLI request for this card would the pulls be combined?

My stats before Merril+ application are as below

Total CL - $113,300

TU FICO - 737

AAoA - 2 Years

TU INQ - 2 (12 months -1)

Re: BOA: Combine Pulls between CLI and New Application?

Gmood1 — Mon, 24 Jul 2017 18:01:40 GMT

They'll use the same pull. Normally BofA will use the same pull for 30 days.

Be warned they may transfer limits instead of giving you an increase. I did the same thing when I got the Merrill. They moved limits from my rewards card in order to give me the limit I asked for.

I waited 4 months and did another request. That time they increased both cards limits. By the way, my Merrill SL was the same as yours 6 months ago.

Re: BOA: Combine Pulls between CLI and New Application?

K-in-Boston — Mon, 24 Jul 2017 18:00:01 GMT

Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 18:44:49 GMT

Thank you Gmood1 and K.. I will give it a try in that case. As such I do not need an increase on my Cash Rewards, but if we can get it without any hard pull, there is absouletly no harm.

BTW I was approved for Merril+ and had it expedited by CSR, she told me it will arrive on Wednesday but I do not see my card in BOA login. Does it take time or I need to create a separate login being a Merril card?

Re: BOA: Combine Pulls between CLI and New Application?

Gmood1 — Mon, 24 Jul 2017 18:53:06 GMT

Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.

Re: BOA: Combine Pulls between CLI and New Application?

Credit-hoarder — Mon, 24 Jul 2017 19:02:56 GMT

@K-in-Boston wrote:
Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.

I just recently (5 days ago) got an increase on my Cash Rewards to $20K up from $11.5K and they pulled TU for it + I have 2 card offers....So you're saying if I take one of the offers they'll use the TU report they pulled for my CLI 5 days ago?

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 19:34:05 GMT

@Gmood1 wrote:
Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.

Alright.. I was approved earlier today and it has been almost 4 hours, still nothing there.. So yes, they seems to be slow unlike Chase and others where accounts shows up almost instantly as soon application is approved.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 19:40:07 GMT

Went ahead and requested a CLI on existing Cash Rewards, requested 10K and they countered at 5.5K. No signs of new pull, sweet

You guys are awesome

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 19:40:33 GMT

Reminder to all that the discussion of freezing one or more credit reports to force a creditor to pull another one is prohibited on these forums. Thank you for your cooperation.

Re: BOA: Combine Pulls between CLI and New Application?

K-in-Boston — Mon, 24 Jul 2017 19:48:00 GMT

@Credit-hoarder wrote:
@K-in-Boston wrote:
Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.
I just recently (5 days ago) got an increase on my Cash Rewards to $20K up from $11.5K and they pulled TU for it + I have 2 card offers....So you're saying if I take one of the offers they'll use the TU report they pulled for my CLI 5 days ago?

I know that for same-day I did not receive a 2nd pull. I can't give any personal experience with more time on the same pull, but I know that I asked for a CLI on one card January 1st and the CLI I requested for another cash on February 28th resulted in a new pull.

Klad, congrats! A more than 3x CLI is still great.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 19:56:17 GMT

@Anonymous wrote:
Reminder to all that the discussion of freezing one or more credit reports to force a creditor to pull another one is prohibited on these forums. Thank you for your cooperation.

I am so sorry, Irish.. I posted after a long time and was not aware of this thing. BTW, I went to my initial post to update but it was already taken care.. thank you very much.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 19:58:31 GMT

@K-in-Boston wrote:
@Credit-hoarder wrote:
@K-in-Boston wrote:
Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.
I just recently (5 days ago) got an increase on my Cash Rewards to $20K up from $11.5K and they pulled TU for it + I have 2 card offers....So you're saying if I take one of the offers they'll use the TU report they pulled for my CLI 5 days ago?
I know that for same-day I did not receive a 2nd pull. I can't give any personal experience with more time on the same pull, but I know that I asked for a CLI on one card January 1st and the CLI I requested for another cash on February 28th resulted in a new pull.

Klad, congrats! A more than 3x CLI is still great.

Thank you K!

Well I agree with you on Credit-hoarder's question.. AFAIK BOA generally combines if we do it on the same day, although they keep the pulled reports for 30 days but I haven't seen any DP of using the same pull for 30 days.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 20:51:39 GMT

@Anonymous wrote:
@Anonymous wrote:
Reminder to all that the discussion of freezing one or more credit reports to force a creditor to pull another one is prohibited on these forums. Thank you for your cooperation.
I am so sorry, Irish.. I posted after a long time and was not aware of this thing. BTW, I went to my initial post to update but it was already taken care.. thank you very much.

It's ok. A lot of people aren't aware of the rule. Congrats on your approval.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 21:34:36 GMT

@Anonymous wrote:
@Gmood1 wrote:
Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.
Alright.. I was approved earlier today and it has been almost 4 hours, still nothing there.. So yes, they seems to be slow unlike Chase and others where accounts shows up almost instantly as soon application is approved.

BoA, along with my Merrill+, show up the morning after the application. Their systems update overnight and typically should show around 5a, EST.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 21:58:26 GMT

@Anonymous wrote:
@Anonymous wrote:
@Gmood1 wrote:
Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.
Alright.. I was approved earlier today and it has been almost 4 hours, still nothing there.. So yes, they seems to be slow unlike Chase and others where accounts shows up almost instantly as soon application is approved.
BoA, along with my Merrill+, show up the morning after the application. Their systems update overnight and typically should show around 5a, EST.

Ahhh.. ohkay I will stop checking my BOA login every other minute in that case.. Thank you MrPTato!

Re: BOA: Combine Pulls between CLI and New Application?

credit_endurance — Mon, 24 Jul 2017 22:33:50 GMT

Congratulations Klad on the approval + 1 Question do you have a direct link to this application? As I just can't seem to find any active offers.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Mon, 24 Jul 2017 22:39:47 GMT

@credit_endurance wrote:
Congratulations Klad on the approval + 1 Question do you have a direct link to this application? As I just can't seem to find any active offers.

Thank you bruisedcredit.. well there is no online link for this card. It has gone Phone only application for last few months.. You need to call 866-751-1257, mention offer code BAABZX and make sure CSR comes back with language of 50K points after 3k spend in 90 days.. If they ask you anything like Merril Employee's ID or something like that just tell them "I do not have one, I was just told about this by one of my friend". Also If you do not receive instant approval, you can call BOA Recon Line immediately.

Re: BOA: Combine Pulls between CLI and New Application?

credit_endurance — Mon, 24 Jul 2017 22:46:33 GMT

@Anonymous wrote:
@credit_endurance wrote:
Congratulations Klad on the approval + 1 Question do you have a direct link to this application? As I just can't seem to find any active offers.
Thank you bruisedcredit.. well there is no online link for this card. It has gone Phone only application for last few months.. You need to call 866-751-1257, mention offer code BAABZX and make sure CSR comes back with language of 50K points after 3k spend in 90 days.. If they ask you anything like Merril Employee's ID or something like that just tell them "I do not have one, I was just told about this by one of my friend". Also If you do not receive instant approval, you can call BOA Recon Line immediately.

Thanks so much Klad! I will have to give this a try.

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Tue, 25 Jul 2017 01:06:21 GMT

Congrats!

Re: BOA: Combine Pulls between CLI and New Application?

Anonymous — Tue, 25 Jul 2017 14:45:22 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Gmood1 wrote:
Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.
Alright.. I was approved earlier today and it has been almost 4 hours, still nothing there.. So yes, they seems to be slow unlike Chase and others where accounts shows up almost instantly as soon application is approved.
BoA, along with my Merrill+, show up the morning after the application. Their systems update overnight and typically should show around 5a, EST.
Ahhh.. ohkay I will stop checking my BOA login every other minute in that case.. Thank you MrPTato!

Did it show this morning?