topic Re: BofA Auto CLI then love button disappeared in Credit Cards

BofA Auto CLI then love button disappeared

Anonymous — Mon, 29 Jan 2018 02:58:14 GMT

So the love button has been on my bofa account for the last 6 months. I check my account this am and I recieved a mysterious auto cli from 5k to 6k on my cash rewards card.....now no button......I mean, I appreciate the auto cli but I was actually going to apply for the premium travel card then attempt a cli with that hp on my cash rewards card...thoughts? Odd that the luv button dissapeared after an auto cli?

Re: BofA Auto CLI then love button disappeared

JR_TX — Mon, 29 Jan 2018 15:45:44 GMT

wrote:
So the love button has been on my bofa account for the last 6 months. I check my account this am and I recieved a mysterious auto cli from 5k to 6k on my cash rewards card.....now no button......I mean, I appreciate the auto cli but I was actually going to apply for the premium travel card then attempt a cli with that hp on my cash rewards card...thoughts? Odd that the luv button dissapeared after an auto cli?

Almost always BoA pulls TU for CLI and EX for new app (based on majority of DPs floating around). In some rare cases they double pull both on CLI or app.

If it was me, I would just call them depending in which bureau I’d want them to pull. If it’s TU then I’d call and ask for more CLI. And if it’s EX then I’d app online then call their UW for another CLI on the other card. “Almost” always they’d use the same CR as when you app’d which was EX.

Good Luck and please report back your result for more DPs for all of us here at FICOlandia!

Re: BofA Auto CLI then love button disappeared

Anonymous — Mon, 29 Jan 2018 20:19:39 GMT

When I got a credit increase (requested) the button went away for 3 months.

Re: BofA Auto CLI then love button disappeared

Anonymous — Tue, 30 Jan 2018 02:36:20 GMT

Thanks my experian is 803, trans is 805 so not much difference......Im stuck in a bofa travel rewards vs csp vs csr conundrum. Not sure what to do, and have this bofa cli thing in the back of my head....will keep you posted...but it might be a minute..

Re: BofA Auto CLI then love button disappeared

arkane — Tue, 30 Jan 2018 02:41:31 GMT

BoA Travel Rewards isn't even in the same league as CSP let alone CSR. About the only leg up it has on the Sapphire cards is 0 AF, but if that's what you care about there are muuuuuuuuuuuuuuuuch better 0 AF cards out there.

Re: BofA Auto CLI then love button disappeared

pizza1 — Tue, 30 Jan 2018 03:10:27 GMT

It should reappear in 3-6 months....

Some folks like myself, had the button there from day one for a year and a half, and I never got the CLI, lol

Re: BofA Auto CLI then love button disappeared

Anonymous — Tue, 30 Jan 2018 04:19:31 GMT

I also got an Auto-CLI on my BoA card and the button disappeared for 3 months as well! I heard auto CLI from BoA is very rare.

Re: BofA Auto CLI then love button disappeared

Anonymous — Tue, 30 Jan 2018 14:05:27 GMT

CSP is far superior to CSR IMHO. To each their own. And you can have the Bank of America card and the CSP both if you aren't over 5/24.

Re: BofA Auto CLI then love button disappeared

Anonymous — Tue, 30 Jan 2018 14:45:45 GMT

Curious to your thoughts on why the csp is superior to csr? All the info I can get the better, thank you!

Re: BofA Auto CLI then love button disappeared

K-in-Boston — Tue, 30 Jan 2018 16:30:44 GMT

The only way that a CSP is "better" than a CSR is that it has a lower annual fee. Use the travel credits and the real difference in annual fee is only $55. If you spend $2000 or so in combined travel (which is broadly defined) and restaurant purchases over the course of a year, the value of the additional URs outweighs the difference in annual fee. If you use the Chase travel portal to redeem your URs for travel purchases, you will have made up for the difference in AF with like a $200 redemption! I'm planning to PC my CSP to CSR this summer after paying off my Slate BT. It's a shame that the CSR isn't a real Visa Infinite card, though, as it doesn't qualify for the $100 companion ticket discount like the Ritz-Carlton card, for example.

And to swing this back on-topic, you should certainly figure out if the Premium Rewards or Travel Rewards card makes more sense for your spend (and any status). Usually after any CLI with BoA, the link will disappear for a few months. I'd certainly try calling and speaking to them after applying to get a boost on the Cash Rewards card.

Re: BofA Auto CLI then love button disappeared

arkane — Wed, 31 Jan 2018 04:17:29 GMT

wrote:
The only way that a CSP is "better" than a CSR is that it has a lower annual fee. Use the travel credits and the real difference in annual fee is only $55. If you spend $2000 or so in combined travel (which is broadly defined) and restaurant purchases over the course of a year, the value of the additional URs outweighs the difference in annual fee. If you use the Chase travel portal to redeem your URs for travel purchases, you will have made up for the difference in AF with like a $200 redemption! I'm planning to PC my CSP to CSR this summer after paying off my Slate BT. It's a shame that the CSR isn't a real Visa Infinite card, though, as it doesn't qualify for the $100 companion ticket discount like the Ritz-Carlton card, for example.

And to swing this back on-topic, you should certainly figure out if the Premium Rewards or Travel Rewards card makes more sense for your spend (and any status). Usually after any CLI with BoA, the link will disappear for a few months. I'd certainly try calling and speaking to them after applying to get a boost on the Cash Rewards card.

Honestly BoA doesn't have the most lucrative credit products. Yes you can really improve their appeal if you can achieve Platinum Honors status, but honestly that's only worth it if you can find a way to invest $100K with Merrill. (letting $100K sit in a BoA account that pays <0.1% interest is a terrible, terrible waste) I personally see BoA as having way more appeal on the banking side with their preferred rewards program that has fairly lax deposit requirements (relatively speaking).

Re: BofA Auto CLI then love button disappeared

Asilomar — Wed, 31 Jan 2018 06:20:25 GMT

I've had this card since September and I've never had a love button appear. So, I went button hunting and smashed it in spite of BofA making it hard to find. And, they gave me the double-my-line increase I asked for. Shoud've asked for more. I chickened out.

Moral of the story? Button shmutton.