topic Re: BOA CLI how much to ask for in Credit Cards

BOA CLI how much to ask for

revvystoke — Fri, 20 Jun 2014 19:36:49 GMT

I keep bumping up to the limit on my Alaska card, I keep wanting to use my other cards but I rarely see over 10k spread out on them each month so it doesn't make much sense to ask for a raise on them. Citi and Discover haven't been willing to do so with soft pulls, I have only had their cards a few years since I turned 18 and they cite short credit history as a reason for denial. I still have a few months to go before being eligible again for AMEX CLI.

Bank of America bumped up my limit in early April but I still run into the limit now and then. Would it be within reason to request 50k total...or is that reaching. I use their card as my go to card.

Re: BOA CLI how much to ask for

Creditaddict — Fri, 20 Jun 2014 19:38:09 GMT

@revvystoke wrote:
I keep bumping up to the limit on my Alaska card, I keep wanting to use my other cards but I rarely see over 10k spread out on them each month so it doesn't make much sense to ask for a raise on them. Citi and Discover haven't been willing to do so with soft pulls, I have only had their cards a few years since I turned 18 and they cite short credit history as a reason for denial. I still have a few months to go before being eligible again for AMEX CLI.

Bank of America bumped up my limit in early April but I still run into the limit now and then. Would it be within reason to request 50k total...or is that reaching. I use their card as my go to card.

I don't really know a bank that doesn't counter these days and if you are actually spending $25k in a month then I don't think $50k is to much AT ALL!

Re: BOA CLI how much to ask for

revvystoke — Fri, 20 Jun 2014 19:43:02 GMT

@Creditaddict wrote:
@revvystoke wrote:
I keep bumping up to the limit on my Alaska card, I keep wanting to use my other cards but I rarely see over 10k spread out on them each month so it doesn't make much sense to ask for a raise on them. Citi and Discover haven't been willing to do so with soft pulls, I have only had their cards a few years since I turned 18 and they cite short credit history as a reason for denial. I still have a few months to go before being eligible again for AMEX CLI.

Bank of America bumped up my limit in early April but I still run into the limit now and then. Would it be within reason to request 50k total...or is that reaching. I use their card as my go to card.
I don't really know a bank that doesn't counter these days and if you are actually spending $25k in a month then I don't think $50k is to much AT ALL!

Thanks....Is it possible to combine and close the Fidelity card if countered....or is that treated as completely seperate liabilities by BOA/FIA

Re: BOA CLI how much to ask for

Creditaddict — Fri, 20 Jun 2014 19:44:14 GMT

@revvystoke wrote:
@Creditaddict wrote:
@revvystoke wrote:
I keep bumping up to the limit on my Alaska card, I keep wanting to use my other cards but I rarely see over 10k spread out on them each month so it doesn't make much sense to ask for a raise on them. Citi and Discover haven't been willing to do so with soft pulls, I have only had their cards a few years since I turned 18 and they cite short credit history as a reason for denial. I still have a few months to go before being eligible again for AMEX CLI.

Bank of America bumped up my limit in early April but I still run into the limit now and then. Would it be within reason to request 50k total...or is that reaching. I use their card as my go to card.
I don't really know a bank that doesn't counter these days and if you are actually spending $25k in a month then I don't think $50k is to much AT ALL!
Thanks....Is it possible to combine and close the Fidelity card if countered....or is that treated as completely seperate liabilities by BOA/FIA

nope you can

Re: BOA CLI how much to ask for

Kenny — Fri, 20 Jun 2014 23:33:07 GMT

@Creditaddict wrote:
@revvystoke wrote:
@Creditaddict wrote:
@revvystoke wrote:
I keep bumping up to the limit on my Alaska card, I keep wanting to use my other cards but I rarely see over 10k spread out on them each month so it doesn't make much sense to ask for a raise on them. Citi and Discover haven't been willing to do so with soft pulls, I have only had their cards a few years since I turned 18 and they cite short credit history as a reason for denial. I still have a few months to go before being eligible again for AMEX CLI.

Bank of America bumped up my limit in early April but I still run into the limit now and then. Would it be within reason to request 50k total...or is that reaching. I use their card as my go to card.
I don't really know a bank that doesn't counter these days and if you are actually spending $25k in a month then I don't think $50k is to much AT ALL!
Thanks....Is it possible to combine and close the Fidelity card if countered....or is that treated as completely seperate liabilities by BOA/FIA
nope you can

But YMMV if it's another HP for line consolidation. :-/ Shoot for the stars, with BoA you just might get it.. especially with the usage you're having. (I'm assuming that it's a PIF card or are you bumping into it because you're carrying a balance? If it's the latter, then I'm not so sure they will be as willing. But, obviously, no need to answer that since it's a pretty personal Q.)

Re: BOA CLI how much to ask for

Anonymous — Sat, 21 Jun 2014 01:51:57 GMT

YMMV

My wife had the BOA rewards at 10K with heavy usage the past couple of months (20K each month- Had to make payments to free up room). She got a 3xCLI from Amex and called BOA and asked them to match AMEX at 50K and with a HP she was there. BOA has always been willing to work with her and match her other cards- all at the cost of HP of course

Re: BOA CLI how much to ask for

codehavoc — Sat, 21 Jun 2014 01:57:54 GMT

is BOA CLI a sp or hp???

Re: BOA CLI how much to ask for

Anonymous — Sat, 21 Jun 2014 02:12:05 GMT

@codehavoc wrote:
is BOA CLI a sp or hp???

Usually a hard pull.

Re: BOA CLI how much to ask for

codehavoc — Sat, 21 Jun 2014 02:13:01 GMT

Guess i will not hit that love button lol

Re: BOA CLI how much to ask for

revvystoke — Sun, 22 Jun 2014 00:28:46 GMT

@KennyRS Not a personal Q on this forum in regards to pif.....I do PIF when I get a chance, however over the past few months it has had a statement balance reporting between 3-5k to avoid 0 util.