topic Re: BofA CLI Question in Credit Cards

BofA CLI Question

Anonymous — Tue, 05 Jun 2012 03:59:13 GMT

I hit the LUV button a few minutes ago and got the "Call in for an Instant Decision". I remember awhile back some people said not to even call in and they got a CLI. Is this true? Also, my current CL is 1500 and asked for a 3k CL. Any thoughts?

Re: BofA CLI Question

Anonymous — Tue, 05 Jun 2012 04:11:18 GMT

yes its true. you can call for instant decision or you can wait until a credit analyst takes a look and you might or might not get a cli.

hope this helps.

Re: BofA CLI Question

AF_23 — Tue, 05 Jun 2012 04:16:40 GMT

Dont call if you havent had the card for 6 months IMO.

Re: BofA CLI Question

Anonymous — Tue, 05 Jun 2012 04:17:47 GMT

yes you can wait. But I personaly like to call and talk to them, the last time I called there was a super nice lady and she approved my request to increase from 1k to 5k. She also asked me if I want an increase on my other card which has 2k limit

Re: BofA CLI Question

Anonymous — Tue, 05 Jun 2012 12:21:15 GMT

I would call in. I got that message as well, called in spoke to a credit analyst who asked me a few questions and went on to approve some of my cli.

:-)

Re: BofA CLI Question

themeggerz — Tue, 05 Jun 2012 12:54:01 GMT

Those with success on the LUV button, what was your balance etc?

I use my BOA card for my everyday spending. I probably send through at least 5000 a month and never pay interest - i just pay about 1500-2000 a week to it. So sometimes the balance is high, sometimes its not.

I do have some inquiries on my CR - which bureau have they pulled for you? or is it soft??

Re: BofA CLI Question

Anonymous — Tue, 05 Jun 2012 13:26:25 GMT

I always PIF before closing date, so the reported balance is usually zero.

Re: BofA CLI Question

Anonymous — Tue, 05 Jun 2012 13:40:53 GMT

I also pay in full. Multiple times, sometimes. I like to make sure that my balance is always at zero on my account.

Re: BofA CLI Question

Anonymous — Tue, 05 Jun 2012 22:38:26 GMT

So I called in today and spoke to a pretty nice credit analyst. He asked me a few questions about some baddies that are 6 years old and said, you current CL is 1.5k and want it a 3k CL. I said yes, and he said that will be no problem at all. Pretty easy, maybe I should of asked for more!

Re: BofA CLI Question

jcx808 — Sun, 10 Jun 2012 23:04:23 GMT

I just hit the CLI button and got the a written decision will be mailed out 3-5 days. Does this mean I got denied?