@M_Smart007 wrote:
@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.
The only lender I have not been able to get a 2nd card from.
Good luck. Hope you'll be able to get that 2nd card one day.
Mine was prequal in special offers tab. I think I let it marinate for about 5 months before I applied.
@M_Smart007 wrote:
Edited: For title change, "I was wrong" "Baby Come Back"
Ok, based on your replies, it is not BoA tightening purse strings (although they could be)
It is profile specific. So I had taken out a Penfed PL on 3-26-2020
Penfed reported that installment loan at 100% on 3-31-2020
On 4-1-2020 (April fool's day
)
Bank Of America updated my TU FICO8 Score.
As a result my score dropped -17 points
(so now I know ...what a maxed Installment loan will drop my FICO8 score)
The Penfed loan has been paid down to less than 8.9%,
and pulling my TU FICO8 shows that I gained the 17 FICO's back!
So at least I resolved "The L
VE button mystery" .. I got April fooled
So now ... I am pretty sure why they pulled the L
Bank of America has not updated since April 1st.
If you check your fico on BOA app it will say 4/21/2020- I think the browser login is typo because they softed my report on 4/21 and my browser login on boa will show 4/1 and app shows 4/21 same score
@Anonymous wrote:I'm not feeling the love either from BOA. I still have the luv button but they consistently deny me CLIs. I got a CLI in Sept 2019 and also a denial on a second card same day. With the CLI on the 1 card I guess they reached max exposure for me. Since then nada from BOA. I ask for a CLI every 2 mths or so and always get denied for credit seeking (I got 1 new Amex card in Oct. to make up for them denying my request for a 2nd card). Suffice it to say, you are not alone @M_Smart007
@Anonymous, Thanks for your reply, I can relate ..(1) CLI ..
and yes .. they DO NOT LIKE MY "CREDIT SEEKING BEHAVIOR"
Even Chase gave me another card (Marriott) and a $9K CLI on another card
Amex has given me about $95K increases across all cards
Hang in there, one day .. you'll get it
@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.
The only lender I have not been able to get a 2nd card from.
Good luck. Hope you'll be able to get that 2nd card one day.
Mine was prequal in special offers tab. I think I let it marinate for about 5 months before I applied.
Ditto for me. I have the LUV Button on my Cash Rewards.
Card already has a high limit at $70K and I don't put much spend on it.
Last few times, I was also denied for CLI due to too many new accounts.
Consequently, I'm gardening longer (after my AMEX card denial for same reason) to make sure everything ages enough before I apply for Premium Rewards.
@M_Smart007 wrote:
Edited: For title change, "I was wrong" "Baby Come Back"
Ok, based on your replies, it is not BoA tightening purse strings (although they could be)
It is profile specific. So I had taken out a Penfed PL on 3-26-2020
Penfed reported that installment loan at 100% on 3-31-2020
On 4-1-2020 (April fool's day
Bank Of America updated my TU FICO8 Score.
As a result my score dropped -17 points
(so now I know ...what a maxed Installment loan will drop my FICO8 score)
The Penfed loan has been paid down to less than 8.9%,
and pulling my TU FICO8 shows that I gained the 17 FICO's back!
So at least I resolved "The L
So now ... I am pretty sure why they pulled the L
Bank of America has not updated since April 1st.
I think BOA had a typo this month if you log in via web browser. My web browser boa score is from 4/1/2020, but if you log in with the BOA APP, it says 4/21/2020.
try logging into your BOA using the mobile app. If i log in with browser my fico score is dated 4/1/2020, but on the app it says 4/21/2020.
If you really want to Cry for Me Argintina, try having a broken luv button forever on your account like me where you can see it, click it, and only thing happens is your color goes from blue to red blue
. And its been there 4 plus years......
@Aim_High wrote:
@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Was getting CLI denials for new accounts (credit seeking). Had a dry spell for 8 months. Approved for CLI x 2 cards at end of March.Thanks for the DP's @AllZero , One day I will nail that 2nd BoA card.
The only lender I have not been able to get a 2nd card from.
Good luck. Hope you'll be able to get that 2nd card one day.
Mine was prequal in special offers tab. I think I let it marinate for about 5 months before I applied.
Ditto for me. I have the LUV Button on my Cash Rewards.
Card already has a high limit at $70K and I don't put much spend on it.
Last few times, I was also denied for CLI due to too many new accounts.
Consequently, I'm gardening longer (after my AMEX card denial for same reason) to make sure everything ages enough before I apply for Premium Rewards.
I know I definitely don't get BOA love since I was expecting their Cash Rewards card a month back and I had to settle for a secured card or a wasted HP
But trying to be positive - and here is my question: when the sun and mood align and I get this card graduated - how often is it standard to request a CLI from BoA ?
