topic About to activate new BOA card - should I ask rep for CLI? in Credit Cards

About to activate new BOA card - should I ask rep for CLI?

chrisw1968uk — Sat, 14 Sep 2013 14:54:28 GMT

I all

About 10 days ago, I posted that I got approved for a BOA card - but it only had $1100 CL, The card arrived yesterday, Should i call in to activate it - and at the same time, see if the CL could be raised to be in-line with the other limits that i have?

If i can get a CL, this could my main "go-to" card because the interest after the intro period is the best that I have

Thanks all - have a great day!

Re: About to activate new BOA card - should I ask rep for CLI?

CreditControl — Sat, 14 Sep 2013 16:28:09 GMT

That's what I did. In fact, I did it before I received the card! I was approved and given my limit then decided to call to see if I could get a higher limit. My initial CL was 8k, I spoke with an analyst who said it would take a hard pull on TU and I went for it. I asked for 12k and was instantly approved which of course left me feeling that I should have asked for 16k!!!!

If you don't mind the hard pull - go for it.

Re: About to activate new BOA card - should I ask rep for CLI?

09Lexie — Sat, 14 Sep 2013 16:30:54 GMT

It doesn't hurt to ask . Good luck!

Re: About to activate new BOA card - should I ask rep for CLI?

kayvee_ — Sat, 14 Sep 2013 17:46:34 GMT

it will be a hard pull on TU. I'd say wait for an auto increase.

Re: About to activate new BOA card - should I ask rep for CLI?

tld409 — Sat, 14 Sep 2013 17:48:59 GMT

BOA doesn't do auto increases. At least this what I was a told by an analysis. They stope auto increases awhile ago.

Re: About to activate new BOA card - should I ask rep for CLI?

resilient — Sat, 14 Sep 2013 17:52:19 GMT

Man, you've got a high Belk limit! Dwarfs mine in comparison! BTW, BofA is good about CLI, at least to me. Go for it.

@CreditControl wrote:
That's what I did. In fact, I did it before I received the card! I was approved and given my limit then decided to call to see if I could get a higher limit. My initial CL was 8k, I spoke with an analyst who said it would take a hard pull on TU and I went for it. I asked for 12k and was instantly approved which of course left me feeling that I should have asked for 16k!!!!

If you don't mind the hard pull - go for it.

Re: About to activate new BOA card - should I ask rep for CLI?

chrisw1968uk — Sat, 14 Sep 2013 18:20:32 GMT

Thanks all

Ouch! i'm not in favor of a HP though - they only did one about 10 days ago when I was approved - I'll see what they say

Re: About to activate new BOA card - should I ask rep for CLI?

09Lexie — Sat, 14 Sep 2013 18:26:17 GMT

They will probably pull TU for the Cli

Re: About to activate new BOA card - should I ask rep for CLI?

youngandcreditwrthy — Sat, 14 Sep 2013 19:35:16 GMT

Lol @creditcontrol. I asked for $15k and got 10k which means I should have asked for $25k to get to 15k that I wanted lol

Re: About to activate new BOA card - should I ask rep for CLI?

FinStar — Sat, 14 Sep 2013 20:34:52 GMT

@09Lexie wrote:
They will probably pull TU for the Cli

So, if you want to avoid the HP, I wouldn't do it unless there's absolute necessity for CLI - other than to "match" your other CLs.... needs vs wants.