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BOA CLI Still SP?

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Cred4All
Valued Contributor

BOA CLI Still SP?

I'm a bit out of practice folks, as my 90k BOA Travel Rewards was eligible for a CLI in June 2020. Knowing the state of the world I opted to play it safe and not push for the 99k magic number. Well, it's a holiday and I'm frisky. The BOA increase screen is showing some pretty hardcore wording hinting at a hard pull so, curious if anyone can still confirm this is a SP?

 

Reason for being so paranoid - New home construction closes in February so, don't want to run the Queens Gambit if it's a 50/50.  Thanks!

 

Current wording:

To request an increased line of credit, complete the form and click "Submit" button.

 

By clicking the "Submit" button, you authorize us to obtain a copy of your credit report and review your credit and employment histories and any other information that allows us to process your request, service your account and manage our relationship with you. Upon request, we will inform you of the name and address of any consumer reporting agency that provided reports to us.

You also understand that if you have existing credit card accounts with Bank of America, we may utilize the available credit on the existing account(s) to approve your new credit request which could include moving credit from an account with a lower annual percentage rate and/or fee structure to a higher annual rate and/or fee structure without increasing your overall credit limit.

 

Bank of America, like all financial institutions, is required by Federal law to obtain, verify and record information that identifies each customer making a credit request. When requesting a credit line increase from us we will ask you for your name, address and other information to confirm your identity.


Message 1 of 9
8 REPLIES 8
FinStar
Moderator Emeritus

Re: BOA CLI Still SP?

It is.  At least in my case it was.

 

But, if you want another DP, @simplynoir can attest further with his fresh experience.

Message 2 of 9
Cred4All
Valued Contributor

Re: BOA CLI Still SP?

You are fast @FinStar ... appreciate it. Every data point helps! I'm doing a mini-risk assessment on this Smiley Happy


Message 3 of 9
simplynoir
Mega Contributor

Re: BOA CLI Still SP?


@Cred4All wrote:

You are fast @FinStar ... appreciate it. Every data point helps! I'm doing a mini-risk assessment on this Smiley Happy


Yeah, if you want anymore info then let me know. I posted most of the relevant datapoints I think in my approval thread

Message 4 of 9
Cred4All
Valued Contributor

Re: BOA CLI Still SP?

Thank you @simplynoir !


Message 5 of 9
Doodlebug30
Established Contributor

Re: BOA CLI Still SP?

I certainly cannot speak to monster limits like that but I have pushed the button recently & it was SP

Message 6 of 9
cashorcharge
Community Leader
Super Contributor

Re: BOA CLI Still SP?


@Doodlebug30 wrote:

I certainly cannot speak to monster limits like that but I have pushed the button recently & it was SP


Agreed.  I went from $20K to $30K this month and it was a SP.  I had the "request" button showing up as well but to be honest, I didn't note the verbiage when I hit submit.  I am 100% certain that it was not a HP as everything is/has been frozen and my request was approved.

Message 7 of 9
ccquest
Established Contributor

Re: BOA CLI Still SP?

I've gotten two since June and both were SP, will be trying for another next month as well to get to either 20 or 25k.
as of 1/1/23
Current Cards:
Message 8 of 9
Cred4All
Valued Contributor

Re: BOA CLI Still SP?

Appreciate everyones input and especially how fast it was provided!


Message 9 of 9
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