topic Re: BofA CLI or wait? in Credit Cards

BofA CLI or wait?

linux007969 — Wed, 26 Jun 2013 00:05:30 GMT

Not too long ago as some of you may have seen, my BofA Secured Graduated and I called in for an increase and was able to go from $300 to $700.

I am wondering what are the odds of being able to get one again since it hasn't been 6 months since the increase. It happened in like end of April/begining of May. If i have good odds I wonder if i can find a nice rep and sweet talk them into getting me another increase with a SP?

I can only dream i guess

I would like some advice as I want to be careful and not aquire to alot hps and I don't want to appear desperate for credit. I would just like to see it at or over $1,000 so I would have no cards under $1,000.

Re: BofA CLI or wait?

myjourney — Wed, 26 Jun 2013 00:07:04 GMT

@linux007969 wrote:
Not too long ago as some of you may have seen, my BofA Secured Graduated and I called in for an increase and was able to go from $300 to $700.

I am wondering what are the odds of being able to get one again since it hasn't been 6 months since the increase. It happened in like end of April/begining of May. If i have good odds I wonder if i can find a nice rep and sweet talk them into getting me another increase with a SP?

I can only dream i guess

I would like some advice as I want to be careful and not aquire to alot hps and I don't want to appear desperate for credit. I would just like to see it at or over $1,000 so I would have no cards under $1,000.

BofA is a 6 month reviewer pretty sure

Re: BofA CLI or wait?

linux007969 — Wed, 26 Jun 2013 01:00:09 GMT

Ok, nevermind.

I called up a credit analyst and asked for an increase and he said i can request one at anytime and i asked about a soft pull and he said no that it will be a hard pull and asked if i wanted to continue and i just figured what the heck ...... asked for $3,000 he asked for all the usual info and placed me on hold.....

came back and thanked me for perfect payment history and my loyality and said he can't approve me for the full amount but can approve me for $1,500 and i said "Thank you, that should be good to start with again!" he said great! and we nicely ended the call.

So i took a HP and got approved for something, it's a win in my book!

Absolutely Possitively No more Hard Pull's on my file for the rest of this year! I need to stay clean.... lol

Re: BofA CLI or wait?

myjourney — Wed, 26 Jun 2013 01:01:24 GMT

@linux007969 wrote:
Ok, nevermind.

I called up a credit analyst and asked for an increase and he said i can request one at anytime and i asked about a soft pull and he said no that it will be a hard pull and asked if i wanted to continue and i just figured what the heck ...... asked for $3,000 he asked for all the usual info and placed me on hold.....

came back and thanked me for perfect payment history and my loyality and said he can't approve me for the full amount but can approve me for $1,500 and i said "Thank you, that should be good to start with again!" he said great! and we nicely ended the call.

So i took a HP and got approved for something, it's a win in my book!

Absolutely Possitively No more Hard Pull's on my file for the rest of this year! I need to stay clean.... lol

Congrats are in order

Re: BofA CLI or wait?

linux007969 — Wed, 26 Jun 2013 01:26:03 GMT

@myjourney wrote:
@linux007969 wrote:
Ok, nevermind.

I called up a credit analyst and asked for an increase and he said i can request one at anytime and i asked about a soft pull and he said no that it will be a hard pull and asked if i wanted to continue and i just figured what the heck ...... asked for $3,000 he asked for all the usual info and placed me on hold.....

came back and thanked me for perfect payment history and my loyality and said he can't approve me for the full amount but can approve me for $1,500 and i said "Thank you, that should be good to start with again!" he said great! and we nicely ended the call.

So i took a HP and got approved for something, it's a win in my book!

Absolutely Possitively No more Hard Pull's on my file for the rest of this year! I need to stay clean.... lol
Congrats are in order

Thanks!

Re: BofA CLI or wait?

Fresh-Start — Wed, 26 Jun 2013 02:31:03 GMT

Yay! Congrats!!