Hey everyone, been on quite a roll, yesterday 5/24/17 I requested a CLI on my BofA 123 Cash Rewards Visa. My current credit line is $13,400 with a $5k bt that was done last month. I requested a total credit line of $25,000. I expected the usual instant text msg of a TU HP from my monitoring service, but no alerts and no HP on my TU report has shown up.
I got the following message:
To be honest I thought it was just an auto denial and didnt read the message carefully (smh). Early this morning 5/25/17 I took BofA up on there PreApproved offer for a BBR Card before the window shut and was instantly approved for $15,000 SL ...does the 7-10 message I got on yesterday for CLI request mean that it was denied or is because I requested a $25k total credit line. Again, still no HP on TransUnion from the CLI Request. Latest FICO was 705 as of 5/19
If you've had a recent pull. They won't pull again. Just use the same pull. More or less it's a denial. If anything they'll take some of your current limits and shuffle some of it to the card you requested an increase on.
They did me like that 6 months ago. Wait six month and hit them again. Next time you'll get increases on both cards.
@Anonymous wrote:
@Gmood1 wrote:If you've had a recent pull. They won't pull again. Just use the same pull. More or less it's a denial. If anything they'll take some of your current limits and shuffle some of it to the card you requested an increase on.
They did me like that 6 months ago. Wait six month and hit them again. Next time you'll get increases on both cards.@Gmood1, the cli was requested yesterday (5/24/17) in the afternoon...the BBR App was done @ 1:00 AM today (5/25/17). The hp on my EX and approval for the BBR came after I had requested the CLI on my 123 Cash card.
Ah I see, well that's looks like a straight denial. If they were reversed. I'd think they'd move some limits.
When was your last CLI with the 321 card?