Bank of America CLI - Call backdoor?

[niko79]

Bank of America - I received 7-10 days message after asking for $15'000 (having $1500 limit and a card for almost a year or so). I called regular Customer Service who said a Credit Analyst is working on my request. My TU FICO08 is 709.

Should I give backdoor number a call to find out sooner and provide them with the info (if needed) or should I just wait? They pulled my TU already.

What do you think?

[Anonymous]

I am in the same boat as you but I am going to wait it out so if they deny it or they counter too low then I will call and see if I can recon it as opposed to reaching out to them first. I would rather try to talk my way out of a denial than worry I am talking myself into one.

[JSS3]

Do you have cards with 15,000 limits(or a tad bit lower)?

I'm learning BofA likes to compete for the top spot.

[niko79]

The highest major I have is 7100. The highest store card is 10000.

[niko79]

Second day, no increase visible on my account. Should I give regular customer service a call to get an update? Or do I continue waiting?

[Anonymous]

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@niko79 wrote:
Second day, no increase visible on my account. Should I give regular customer service a call to get an update? Or do I continue waiting?

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I would call the backdoor number. I have had great success with them. Went from $1000 approval to $19500 the same day. Currently at $24.5k. They are nice and a lot different than Chase, IMO.

[niko79]

Got denied via backdoor. I have 3 cards with balances of a little over 50% and one that has yet ot report 0 balance but at 65%. I have 10 CCs more reporting 0 balances. He said the reason was those cards and to pay them off , wait until CRA update and try again. YEAH, like I am going to waste another HP.

Forget BofA.

[niko79]

Called a Senior Credit Analyst and got the same answer. No derogs. 709 FICO. She used the same pull from initial CLI request. Oh well.

[Anonymous]

look out for a double pull....BOA usually pulls Experian....

[Creditaddict]

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@Anonymous wrote:

look out for a double pull....BOA usually pulls Experian....

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