topic Re: Bank of America CLI the day after I got the card! in Credit Cards

Bank of America CLI the day after I got the card!

ksiss — Sat, 03 Nov 2007 21:24:35 GMT

I just got my worldpoints platinum plus visa from BOA yesterday, and upon activating it I applied for a CLI on their site. The card orginally had a $5000 CL, however I wanted to take advantage of the 0% Intro APR and buy a new HDTV without bumping my utilization too much. So considering I have a $8000 CL with my USAA platinum rewards card, I decided to see if I can match that with BOA. Upon applying yesterday, it told me to expect the increase in my account within 24 hours otherwise I'd get a response explaining why I was rejected within a week or two. So I checked my account just a few minutes ago, and voila.......CL = $8000.

Now I'm wondering if I should've been a little greedier and went for the big $10000. Oh well......I'll just find solace in the fact that just a little over a year ago I was approved for my first CC. A Cap1 with a CL of $500 and a 20% APR.

Re: Bank of America CLI the day after I got the card!

Anonymous — Sat, 03 Nov 2007 21:34:33 GMT

Way out kool! Feels good doesnt it?

Re: Bank of America CLI the day after I got the card!

Anonymous — Sat, 03 Nov 2007 21:52:27 GMT

kewlness. don't be greedy. you are in a good place now.

Re: Bank of America CLI the day after I got the card!

Anonymous — Sat, 03 Nov 2007 21:55:25 GMT

lol you got a 3000 dollar CLI and I am trying to get limit increase on my BOA secured card by adding more deposit and they declined me

Re: Bank of America CLI the day after I got the card!

Anonymous — Sat, 03 Nov 2007 22:17:48 GMT

To asha-

BofA will reward 'good behavior' with increases, as long as you pay on time and don't go over your limit. My initial secured was $500, six months later I got the secured part back, then they bumped me to $1000, and I'm now at $2000 (roughly 12-18 months progress). So don't worry! I've had good experiences with them, as well, and I believe it's a card worth waiting for.

Re: Bank of America CLI the day after I got the card!

Anonymous — Sat, 03 Nov 2007 22:35:27 GMT

Thanks for your reply I have BOA secured card for 4 months. After 2 months I will call them and ask them to convert it to unsecured.

Re: Bank of America CLI the day after I got the card!

Anonymous — Sun, 04 Nov 2007 05:49:31 GMT

Congrats!

Re: Bank of America CLI the day after I got the card!

Anonymous — Sun, 04 Nov 2007 05:59:08 GMT

ksiss wrote:
I just got my worldpoints platinum plus visa from BOA yesterday, and upon activating it I applied for a CLI on their site. The card orginally had a $5000 CL, however I wanted to take advantage of the 0% Intro APR and buy a new HDTV without bumping my utilization too much. So considering I have a $8000 CL with my USAA platinum rewards card, I decided to see if I can match that with BOA. Upon applying yesterday, it told me to expect the increase in my account within 24 hours otherwise I'd get a response explaining why I was rejected within a week or two. So I checked my account just a few minutes ago, and voila.......CL = $8000.

Now I'm wondering if I should've been a little greedier and went for the big $10000. Oh well......I'll just find solace in the fact that just a little over a year ago I was approved for my first CC. A Cap1 with a CL of $500 and a 20% APR.

...Same here. I requested a CLI upon activation recently. My initial CL was $5,000 and upon activating, I asked for an additional $5,000 and was successful in receiving it -

Congratulations!!

Re: Bank of America CLI the day after I got the card!

NowIcare — Sun, 04 Nov 2007 08:34:29 GMT

Msrn2000 Was your increase instant? Just wondering as I too requested one online and it gave me the 24hr or a letter in the mail statement.

Re: Bank of America CLI the day after I got the card!

Red1Blue — Sun, 04 Nov 2007 20:31:08 GMT

I got 99/500 BOA card. How much time should I wait before I call them ask them to make my card unsecured? Unless the card is unsecured it will not qualify for CLI. I have checking/savings/ira/cd and business accounts with the bank. Would that help me in getting the card goto unsecured status?

Re: Bank of America CLI the day after I got the card!

Anonymous — Sun, 04 Nov 2007 20:58:52 GMT

NowIcare wrote:
Msrn2000 Was your increase instant? Just wondering as I too requested one online and it gave me the 24hr or a letter in the mail statement.

Yes, my credit limit increase was instant. The customer service rep. told me that it would be available in 15 minutes. I phoned the automated system about 10 minutes later and it was reflecting the CLI. The account was showing up on my credit report alomst instant. And, the credit report was showing the 10,000 about 3-4 days later.

I didn't to the request online. When I received the card, I called the # on the back of the card instead of the # on the front sticker to activate. I spoke with the customer service rep. and told him that I wanted to request a CLI and activate the card.

Re: Bank of America CLI the day after I got the card!

BBYGRL — Sun, 04 Nov 2007 23:44:11 GMT

I just called to ask for a CLI for my BOA Amex card I received yesterday. The rep said I had to speak to another customer service rep tomorrow for an increase. He said they would have to look at my CR. My CL is currently $2500. That's too bad for them. They pulled my EX Fico early last week which was 730 at the time (due to several lates on a old PIF Discover account). The TL was deleted on Friday and my score jumped 38 points to 768. I would call CS but I don't want to risk another hard pull.

Re: Bank of America CLI the day after I got the card!

Anonymous — Mon, 05 Nov 2007 00:26:06 GMT

BBYGRL wrote:
I just called to ask for a CLI for my BOA Amex card I received yesterday. The rep said I had to speak to another customer service rep tomorrow for an increase. He said they would have to look at my CR. My CL is currently $2500. That's too bad for them. They pulled my EX Fico early last week which was 730 at the time (due to several lates on a old PIF Discover account). The TL was deleted on Friday and my score jumped 38 points to 768. I would call CS but I don't want to risk another hard pull.

I was instantly approved for $5,000. As stated in the previous post, I spoke directly with the rep. They pulled Experian for me too & at the time my score was 783. When I requested the CLI they didn't do a hard pull on me - I checked Experian the next day and they had done a soft inquiry for the CLI. But, just to be sure, I'd ask if they're gonna pull a hard or soft inquiry.

Re: Bank of America CLI the day after I got the card!

Anonymous — Mon, 05 Nov 2007 00:29:12 GMT

BOA is pretty exceptional with their CLIs -

Every three to six months I ask for a 3K cli and get it instantly with no hard pulls.

Re: Bank of America CLI the day after I got the card!

Anonymous — Mon, 05 Nov 2007 00:34:14 GMT

pjriverap wrote:
BOA is pretty exceptional with their CLIs -

Every three to six months I ask for a 3K cli and get it instantly with no hard pulls.

That's good to know.

Re: Bank of America CLI the day after I got the card!

BBYGRL — Mon, 05 Nov 2007 00:50:25 GMT

MsRN2000 wrote:

BBYGRL wrote:
I just called to ask for a CLI for my BOA Amex card I received yesterday. The rep said I had to speak to another customer service rep tomorrow for an increase. He said they would have to look at my CR. My CL is currently $2500. That's too bad for them. They pulled my EX Fico early last week which was 730 at the time (due to several lates on a old PIF Discover account). The TL was deleted on Friday and my score jumped 38 points to 768. I would call CS but I don't want to risk another hard pull.

I was instantly approved for $5,000. As stated in the previous post, I spoke directly with the rep. They pulled Experian for me too & at the time my score was 783. When I requested the CLI they didn't do a hard pull on me - I checked Experian the next day and they had done a soft inquiry for the CLI. But, just to be sure, I'd ask if they're gonna pull a hard or soft inquiry.

That's good to know. Do you think I should give them a call tomorrow or should I wait a few months? I don't plan on using the card much but it would nice to have a card with a $5000+ limit for emergencies. I'll be sure to ask if they're doing a soft or hard pull. Thanks!

Message Edited by BBYGRL on 11-04-2007 04:50 PM

Re: Bank of America CLI the day after I got the card!

Anonymous — Mon, 05 Nov 2007 00:55:03 GMT

BBYGRL
That's good to know. Do you think I should give them a call tomorrow or should I wait a few months? I don't plan on using the card much but it would nice to have a card with a $5000+ limit for emergencies. I'll be sure to ask if they're doing a soft or hard pull. Thanks!

Message Edited by BBYGRL on 11-04-2007 04:50 PM

I'd give them a call & tell them that you requested a CLI upon activation and were instructed to call back on Monday (that department may only be in M-F). And, if it's not a hard inquiry, it won't hurt your scores so - Yes, I'd call them and follow through with what you've already initiated.

Message Edited by MsRN2000 on 11-04-2007 06:55 PM

Re: Bank of America CLI the day after I got the card!

BBYGRL — Mon, 05 Nov 2007 01:17:24 GMT

I'd give them a call & tell them that you requested a CLI upon activation and were instructed to call back on Monday (that department may only be in M-F). And, if it's not a hard inquiry, it won't hurt your scores so - Yes, I'd call them and follow through with what you've already initiated.

Message Edited by MsRN2000 on 11-04-2007 06:55 PM

Will do. Which number did you use? My card is clear plastic which makes it difficult to read the 800 numbers on the back.

Message Edited by BBYGRL on 11-04-2007 05:17 PM

Re: Bank of America CLI the day after I got the card!

Anonymous — Mon, 05 Nov 2007 01:25:09 GMT

BBYGRL wrote:
Will do. Which number did you use? My card is clear plastic which makes it difficult to read the 800 numbers on the back.

Message Edited by BBYGRL on 11-04-2007 05:17 PM

Try: 800-421-2110

Re: Bank of America CLI the day after I got the card!

future — Mon, 05 Nov 2007 04:54:47 GMT

just curious, everyone who asked and receive a cli what was the apr on the cardand which boa card was it