cancel
Showing results for 
Search instead for 
Did you mean: 

BoA CLI?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Moderator

Re: BoA CLI?

Sometimes the button does pop up too early due to a glitch. If you do not get a TU alert for a new HP today, it's not being reviewed and you'll just get a letter in a few days telling you that you need to wait. No clock reset, just try again 90 days after the account has been opened. No harm no foul. But you may want to reconsider what you ask for, and yes you are requesting a total credit line not just the increase. If you get the $7400 you may regret not asking them for more.
Message 11 of 21
Frequent Contributor

Re: BoA CLI?

CCT (just canceled it, started with MyFICO), MyFICO and CK are not reporting an inquiry yet. It usually takes a day or so to pop up. I'll let you guys know. I'm sure if there's no HP then they will deny, which I'm totally OK with. If they HP and deny, then I'll be very sad Smiley Sad

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 12 of 21
Community Leader
Mega Contributor

Re: BoA CLI?

What K said is good, when requesting cl, ask a little more than normal. You never know and they can counter. Ive actually been spared a hp or 2 apping for a second card with them being i guess it was always close to my cli request. At least Boa does thatSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 13 of 21
New Contributor

Re: BoA CLI?

I have had my BoA Cashrewards for 5 months and today I saw the credit line increase button shows up. I enter the information and click submitted. I requested for $2,500 credit line and I received a 7-10 days message and possibly 30 days for further review etc. This is my first time requesting CLI with BoA and I dont know whats the process is and

why does it takes time for review to get a credit line increase request? I dont get it. Can anyone give me some experience with BoA CLI request.

 

Message 14 of 21
Valued Contributor

Re: BoA CLI?

I saw that button today.... SL was $2500

 

BoA AAA limit increase.png

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 15 of 21
Frequent Contributor

Re: BoA CLI?

When did you open your account?

 

I'm showing no inquiries across MyFICO, CCT, CK, etc..... no HP. Probably an immediate decline, but no HP so I'll take it. I've only had the account open for a month or so.

 

Just gotta garden!

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 16 of 21
Community Leader
Super Contributor

Re: BoA CLI?

If it's only been 45 days. I'd assume it's just too early. Give it atleast 90 days before requesting a CLI.
Message 17 of 21
Valued Contributor

Re: BoA CLI?


@cmm89 wrote:

When did you open your account?

 

I'm showing no inquiries across MyFICO, CCT, CK, etc..... no HP. Probably an immediate decline, but no HP so I'll take it. I've only had the account open for a month or so.

 

Just gotta garden!


I opened that one around March 20th, so 90 days ago. TU is 695 according to BoA's free score provider. UTI was around 32% across the board with some cards at zero, some a little higher. It was a HP on TU, confirmed within minutes on CK. Also, I have been giving this card a lot of use lately while I'm working in the Bay Area.Charged it up to about $1800, pay $1000, charge a little more, pay another $600, etc. The balance is $1058 on it when approved. Paid $400 cash payment in a branch 2 days ago.

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 18 of 21
Highlighted
Frequent Contributor

Re: BoA CLI?

Update.....

 

I saw the letter they sent and they used the CR from when the account was opened. I figured, the button is still there and they auto-pulled an old report. Submitted for $10K today... BOOM! Only 35ish days since the account was opened...

 

Screen Shot 2017-06-29 at 7.07.33 PM.png

 

EDIT: And just like that... by FAR my largest limit and my first CC ever with a 5-figure limit-- $3,700 to $10,000.

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 19 of 21
Senior Contributor

Re: BoA CLI?

Nice CLI - gotta love BoA, when they like you it shows Smiley Wink

Message 20 of 21
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.