topic BOA CLI question - one card visa, one MC, are they related? in Credit Cards

BOA CLI question - one card visa, one MC, are they related?

BM3 — Tue, 25 Sep 2018 19:47:10 GMT

Lets say MC is at 0 util

but Visa is at 80.

overall util 50 - what happens on CLI on MC?

What if overall util was 0? Does MC look at VISA? or does BOA look at both?

Re: BOA CLI question - one card visa, one MC, are they related?

K-in-Boston — Tue, 25 Sep 2018 20:38:25 GMT

BoA looks at your score, overall credit profile and income. DW and I have both had massive CLIs ($10-20k) with very high utilization on our BoA accounts in the past.

Re: BOA CLI question - one card visa, one MC, are they related?

FinStar — Tue, 25 Sep 2018 20:40:38 GMT

There are a lot of variables at play when BoA considers a CLI. Your entire profile as a whole, including score, income/DTI, overall and individual utilization, etc., will be factored in their algorithms.

An item to keep in mind, BoA CLI requests are SP so you can roll the dice now, or for optimal results, improve the utilization across the board.

Re: BOA CLI question - one card visa, one MC, are they related?

BM3 — Tue, 25 Sep 2018 21:56:05 GMT

there seems to be an amount of time you have to have the cards open too before they do it? is it 1yr?

how high were your utils on cards/overall if you don't mind me asking?