BoA is a HP for a CLI, correct?

[coldfusion]

There was a fairly large thread here that started when BoA first implemented the updated policy in 5/18 and which was pretty active for several months.   The vast majority of reports were SP only but there were a few scattered ones of a HP being made.  The HP wording is boilerplate and unlike for a Discover CLI request there is no additional warning or decision point offered before the HP is done.

In other words, the risk of taking an HP is low but not non-existent.

[Anonymous]

it is a soft pull, I spoke on the phone with an account manager about a month or so ago, all cli with BoA is SP, but your account has to be 12 mos old to get first cli with them, I'm riding 10 mos now so 2 more months I should see the invisible cli button, I was with a normal csr on the phone and asked to speak to account manager and they transferred me, reason I called is because at 9 mos I looked every where for a cli and couldn't find it so called in and applied, instant denial and the rep said I'll recieve a letter, well letter came and it said my account was too new and I needed 12 mos for cli so then I called in to confr that was the case because I've read people getting one before 12 mos but that doesn't seem to be the case anymore, if anyone has done it before 12 months, let's get a thread going over in the right place to report when and all details