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Bank of America CLI Declined for to many inquiries

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Frequent Contributor

Bank of America CLI Declined for to many inquiries

Hi, 

I wanted to check with others to see what your experience has been with CLI requests that have been declined for to many inquries?
I received a CLI in December, and since my credit bureau they pulled has only had 1 additional inq. They approved a 50% increase to my CL in December so I am a little curious why 2 inquries would really push them to decline... 

Wanted to see how many inquries you all had in the past 6 months and still got approved for a CLI with them.

Citi TY MC (AU) $30,000 |Hilton Amex (AU) $30,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $25,000
PenFed Rwz VS $30,000 |Quick Silver $13,000 |BAC Cash Rwz $25,000|BBY Visa $10,000|PenFed LOC $25,000 | Lowes $30,000 | Care Credit $15,000 Discover It $6,600 |Costco Visa $5,000 |Consumer CCU VS $10,000
NFCU Flagship $19,800 |State Farm Visa $4,000 | Marvel MC $10,000| NFCU LOC $15,000| Wells Fargo 360 Amex $9,500| Citi AA $9,000| Huntington $6,500| BCU loc $25,000| Cap1 savor $10,000| PenFed Amex $7,500

Total Credit line $421,000 | FICO as of 8/3/2019 TU 730 |EQ 699 |EX 697| UTI 2%
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Moderator

Re: Bank of America CLI Declined for to many inquiries

What did the denial letter specifically state as the actual written reason?

 

Was it... "There are too many inquiries on your credit file"?  or "Too many recent requests for ..."  There is a difference.

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