BofA CLI on Recon ?!

[Anonymous]

Hey all!  I have the BofA Alaska Air card, approved in October for $1,000 -- got a CLI to $2,000 one month later.  Today, I asked for a CLI to $10,000, as i've already had heavy paydowns and the CL is way too low for my travel needs (currently traveling as a travel nurse). The analyst pulled my credit and came back and said she could not approve the $10k but would definitely approve it for $5,000!! (Not my highest CL, but still nice) .. Then she said it was going up for final approval to her boss, but she "was very confident in her decision" ... ??

Anyone see this before?  She said any CLI on recon had to go for final approval, and they only submit them to SR MGRs if they expect approvals!  FICO 8 is 679, was only a 656 on approval in Oct.  She noted my low overall UTIL on cards and great paydowns as her reason for approving to $5k.  Ive found BofA to be by far the best with recons!!!!

Well here is hoping -- anyone ever recon a card or CLI with BofA ?  Results ?  She did say she will call me today or tomorrow, or I can look online for the increase.  

Thanks for input!

[SLO805]

GL ! Did you request the one month increase to 2k?

[Anonymous]

Yes sure did -- then began traveling wayyyy more !  :-)  Thank you !!

[SLO805]

Oh last question (maybe) lol were the requests both so or hp? I never used my Alaska card and was told it'd be a hard pull by banker

[Anonymous]

*just* reconned for a Cash,  had the same thing.    Same statement.  It was approved.  Wonderful lady.  Very pleased. 

[willwar14]

When I was reconning my Cash Rew, I was shot down my their management team, even though I had a reccomended approval from the lady I spoke with.. I ended up taking the offer they gave me which was 0 down, $500 CL and a $39 AF, if they don't remove the AF and unsecure (even though it doesn't have a security deposit, it's handled by their secured Dept) by the end of the year it's getting closed!

[Anonymous]

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@SLO805 wrote:
Oh last question (maybe) lol were the requests both so or hp? I never used my Alaska card and was told it'd be a hard pull by banker

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All cosumer requested CLIs are  HPs from BofA. I bank with them (also with NFCU) and have a CC from them, too. Just recently requeste a PC and it went smoothly...although it takes 2-4 weeks to complete...sigh.. It takes 36 hours with NFCU......

[Anonymous]

what do you mean "same statement"  for your approval on reconned CLI ??  Im a bit confused -- thank you lol

[Anonymous]

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@Anonymous wrote:

what do you mean "same statement"  for your approval on reconned CLI ??  Im a bit confused -- thank you lol

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She stated the same thing, she saw no reason to not give me a chance, however it needed a Supervisior's final approval.  48 hours later I was approved.  So far, I'm impressed.  I like to think BoA is like Chase, not score related but what's in the report matters more. 

[12njoy]

Sounds like FIA Card Services at work.  I've reconned with them a couple of times and each time it had to go to senior analyst for final approval.  I've gotten final approval on mine that were recommended for approval.  I had a coworker who got a recommended CLI approval from 3k to 8k but senior analyst reduced that to 5k for final approval.  Good luck.