BoA Luv Button still showing after increase?

[Anonymous]

I'm just curious!

I've had my BoA card since 2012, and they'd always been reluctant to give it increases - probably because it started as a secured card?  I was able to get get it up to $5000 eventually, and upgraded to signature, then kind of let it lay stagnant for years since I rarely used it.  The apr is ridiculous compared to other cards I have - 22%.  

Since I found out they no longer HP for CLI's, I decided to see what would happen if I clicked the cli link.  They gave me an increase, upping my limit to $10,100 total.

Thing is, I thought the link would disappear after using it?  It is still there, so does that mean there is still money on the table?  Trying wouldn't magically result in a HP, would it?  Haha.  

I actually don't intend on really using the balance, esp with that high apr they refuse to budge on - but I thought it might help with overall utilization across my credit reports.  

[coldfusion]

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@Anonymous wrote:

I'm just curious!

I've had my BoA card since 2012, and they'd always been reluctant to give it increases - probably because it started as a secured card?  I was able to get get it up to $5000 eventually, and upgraded to signature, then kind of let it lay stagnant for years since I rarely used it.  The apr is ridiculous compared to other cards I have - 22%.  

Since I found out they no longer HP for CLI's, I decided to see what would happen if I clicked the cli link.  They gave me an increase, upping my limit to $10,100 total.

Thing is, I thought the link would disappear after using it?  It is still there, so does that mean there is still money on the table?  Trying wouldn't magically result in a HP, would it?  Haha.  

I actually don't intend on really using the balance, esp with that high apr they refuse to budge on - but I thought it might help with overall utilization across my credit reports.  

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The link remains for the rest of that day, until the nightly batch refresh completes so if you got an automatic/immediate approval you can try again.  The 2nd attempt usually gets forwarded for manual review.    If you got an immediate approval ithout a counteroffer you likely left money on the table.

[Anonymous]

Ah, so since they gave me under what I asked for,  I'm most likely at my limit and no need to try again.  Thank you! 

[coldfusion]

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@Anonymous wrote:

Ah, so since they gave me under what I asked for,  I'm most likely at my limit and no need to try again.  Thank you! 

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Congrats on the CLI...be sure to check regularly for the link to reappear, as it means you're eligible to request another CLI on that card. I've had them reappear within a couple of weeks and the frequency is very much YMMV but the average appears to be about 3 months.

[Meanmchine]

My BankAmericard opened 6/2018. 9/2018 the CLI link appeared and i clicked it for $2500 immediate  increase. Link still remained so I clicked again requesting another $2000 and as immediately approved in full.  The link stayed up but I didnt try for a 3-pete

[kdm31091]

The link doesn't actually go away until after the nightly update, so it will still be there after you get a CLI. Doesn't mean anything one way or the other in terms of eligibility for a further increase. You can always click it again, but majority of the time the 2nd request is a manual review and more often than not they are denied but you never know.