Bank of America CLI Denial

[Anonymous]

Hello,

I got a denial letter this month for cli with Bank of America and the reasons were: Account under 12 months, No or limited bank accounts and/or investments with Bank of America or it's affiliates.

I got this card in May and decided it's 6 statements later and got denied. 

I used limit to 60% of the account in May and paid it off and then in September I have been keeping a balance of 30% and paying double the required minimum payment. I can pay it off today but I don't know how Bank of America works. Do balances make cli work or does paying off your balance make it work? Or is it just like the letter says I don't know you so you gotta wait for your cli after a year. I am currently at 0% purchase interest until Aug 2022. Btw I refuse to get a banking account to get a cli. Did anyone else get these denial reasons and then were able to get a cli before they reached a year?

***oops I meant to post in credit card applications. Please move and thanks!

[Trini88]

I got my card in March (secured), got it unsecured with an increase 5 months later in August. Requested a 2x increase 3 months later (November) and got it. Only amount I ever spend on this card is $3.24 a month and pay it off right away. As for relationship, I have been their customer for almost 15 years so maybe that plays a part.

[Gunnerboy]

My Alaska Airlines denial reasons at six months were basically the same.  Decided, no more requests in year one, continued with light spend. On my anniversary BoA gave me an 50% auto-increase. I've had, thus far, three successful CLI's.

In the beginning, I used a 0% APR BT, but only carried the balance for a few months. Always PIF, still have not opened another BoA account.

My only experience with carrying balances have been with credit unions, and those did seem to trigger auto-increases.

[Anonymous]

@Trini88 thanks!

@Gunnerboy Ok glad I found someone who was in my same position. I guess I will just have to wait until May 2022 for the cli on this account. Thanks!

[Wavester64]

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@Anonymous wrote:

@Trini88 thanks!

@Gunnerboy Ok glad I found someone who was in my same position. I guess I will just have to wait until May 2022 for the cli on this account. Thanks!

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Hang in there @Anonymous . My BOA "Secured" Card (first and only secured card) started @ $500 and now its unsecured and $10,000 SL. 

You'll get there 

[Hoben02]

lol, I doubt I could get a cli, my last credit card they lopped off a healthy chunk from one of my other cards to set me up and I'm even platinum honors with them