topic Re: Is BofA generous with CLI? in Credit Cards

Is BofA generous with CLI?

mattayy — Sun, 09 Nov 2014 18:22:46 GMT

Hi all,

I was wondering if BofA was generous with CLI and how often they review my account for that? Or how often I should request a CLI. I paid off $3k of my debt so just waiting for all of that to hit so my CS goes up and then was going to try with BofA and Barclay.

Re: Is BofA generous with CLI?

Ashhh1991 — Sun, 09 Nov 2014 19:04:24 GMT

They've been great with me. But they always HP when you request a CLI.

I went from $900 to $2800 to $6100. Each cli request was a year apart.

I had a decent number of create cards and HPs on my profile and also had some new accounts each time. If you have no baddies and can take the HP, I'd recommend going for it. They have a link on their website to request a CLI.

Re: Is BofA generous with CLI?

Luscher — Sun, 09 Nov 2014 21:02:10 GMT

went from 10k to 18k in 3months. requested it though. And put 2500 through it during that time

Re: Is BofA generous with CLI?

Anonymous — Sun, 09 Nov 2014 21:18:35 GMT

Got the card in Feb. starting at $2,000 went to $5,000 in Aug. then to $9,000 in Oct. both were hard pulls.

Re: Is BofA generous with CLI?

B335is — Sun, 09 Nov 2014 21:25:55 GMT

They have been generous to me as well. For awhile I was applying for CLI or new card every 6 months and for CLI they usually doubled my limit. I usually requested 3-4x my current limit and they will counter offer. Each CLI has been hard pull on TU.

Re: Is BofA generous with CLI?

kayvee_ — Tue, 11 Nov 2014 17:10:09 GMT

i would wait for an auto CLI. I got one on 10/31 after I paid my balance in full. later that evening i checked my accounts and saw i got an auto CLI from 1K to 3K. i have had the CC for a year and a half. well worth the wait!

Re: Is BofA generous with CLI?

Anonymous — Tue, 11 Nov 2014 19:24:15 GMT

Ask for $25,000.
They will counter.
Hard pull TU.

Re: Is BofA generous with CLI?

uswala — Tue, 11 Nov 2014 19:41:00 GMT

I started with $1100 and after 6 months asked for a $5000 was approved with HP.

Re: Is BofA generous with CLI?

Luscher — Tue, 11 Nov 2014 23:57:17 GMT

also they use the same hp for 30 days so any BOFA/FIA card you have will be able to use that hp

Re: Is BofA generous with CLI?

Anonymous — Wed, 12 Nov 2014 00:08:27 GMT

@Luscher wrote:
also they use the same hp for 30 days so any BOFA/FIA card you have will be able to use that hp

Alaska or Virgin Airlines cards can be quite valuable

Re: Is BofA generous with CLI?

mattayy — Thu, 13 Nov 2014 02:45:59 GMT

Do they do instant approvals or sometimes it takes a few days? What are your experiences with that?

Re: Is BofA generous with CLI?

B335is — Thu, 13 Nov 2014 02:46:46 GMT

@mattayy wrote:
Do they do instant approvals or sometimes it takes a few days? What are your experiences with that?

Never instant, always takes a few days for me. Some people get instant results.