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BofA CLI question

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Established Contributor

Re: BofA CLI question

I had to call in twice, both times the rep confirmed it would be a SP request.

So if the cli link doesn't appear, it doesn't necessarily mean you aren't eligible for an increase.

2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 21 of 41
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Community Leader
Super Contributor

Re: BofA CLI question


@601flyguy wrote:
I had to call in twice, both times the rep confirmed it would be a SP request.

So if the cli link doesn't appear, it doesn't necessarily mean you aren't eligible for an increase.


Good to know. Is it the same thing as the online form where they ask what you want and they process the request?

Message 22 of 41
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Frequent Contributor

Re: BofA CLI question


@AllZero wrote:

Try Help & Support tab -> More topics >>

 

Credit cards -> Request a credit line increase

 

1.jpg

 

2.jpg


if the red button is not there on your dash board then the link burried inside the menus is also not there.



In my wallet:


In my desk:
Message 23 of 41
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Moderator

Re: BofA CLI question


@simplynoir wrote:

@601flyguy wrote:
I had to call in twice, both times the rep confirmed it would be a SP request.

So if the cli link doesn't appear, it doesn't necessarily mean you aren't eligible for an increase.


Good to know. Is it the same thing as the online form where they ask what you want and they process the request?


Everything on the BOA side is the same as what we see on our side, right down to the weird occupation choices.

Message 24 of 41
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Community Leader
Super Contributor

Re: BofA CLI question


@K-in-Boston wrote:

@simplynoir wrote:

@601flyguy wrote:
I had to call in twice, both times the rep confirmed it would be a SP request.

So if the cli link doesn't appear, it doesn't necessarily mean you aren't eligible for an increase.


Good to know. Is it the same thing as the online form where they ask what you want and they process the request?


Everything on the BOA side is the same as what we see on our side, right down to the weird occupation choices.


I wonder if telling them she's a legal drug dealer (pharmacist owner) will go well...

Message 25 of 41
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Valued Contributor

Re: BofA CLI question


@AllZero wrote:

I'm not sure what the timeline is for hyperlink for the Request a credit line increase to appear. I think it's around ~ 90 days once your account is set up?


Mine showed up less than 90 days after getting a CLI. I clicked it and got my hand slapped. 

I'll wait 6 mos after I got the CLI and try again.

Scores, HPs/24 mos. (updated 3/30/20):
    Experian FICO Score 8 = 827, 2/24
    Experian FICO Score 9 = 836, 2/24
   TransUnion = 832, 1/24
    Equifax = 834, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $733.13
    Propel: $4,942.08
=================
Total Spend: $43,564.14

Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 26 of 41
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Established Contributor

Re: BofA CLI question

@simplynoir They seem to ask the exact same questions as the online form.

@CardNut No need to wait, just request again 91 days from your last approved cli. A denial for requesting too early doesn't reset the clock.
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 27 of 41
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Valued Contributor

Re: BofA CLI question


@601flyguy wrote:
@simplynoir They seem to ask the exact same questions as the online form.

@CardNut No need to wait, just request again 91 days from your last approved cli. A denial for requesting too early doesn't reset the clock.

I looked at the latest approximate time that I requested the CLI based on my statements and determined it was 91 days as of yesterday, so I would be good to try now. I hit it and it did bump it a little. So yes, the link can appear before 90 days but might not work until 91 days after. Thanks.

Scores, HPs/24 mos. (updated 3/30/20):
    Experian FICO Score 8 = 827, 2/24
    Experian FICO Score 9 = 836, 2/24
   TransUnion = 832, 1/24
    Equifax = 834, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $733.13
    Propel: $4,942.08
=================
Total Spend: $43,564.14

Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 28 of 41
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Frequent Contributor

Re: BofA CLI question


@simplynoir wrote:

@recoveringfrombk7 wrote:
DH had not gotten his either. I do not know if it's because we are still in the promotional BT window and are using it (about 5k out of 14k, we are BT-cleaning up his personal debt from starting a small business). We actually called to see if he could get a small CLI of like 2k and they denied him. Scores were 740ish due to util at the time. Are you still in a promotional window (0% purchases or some such) maybe? I'm wondering if that is tied to the soft CLI button showing up. Regardless, it is absent for us as well.

Nope, no BTs or promotional periods to speak of here. As far as I'm aware at least especially with the Premium Rewards card. Balance gets PIF pretty much as soon as statement posts and she's a Platinum Honors holder. May I ask how soon after approval of the card did you ask? And did they inform you if it would be a SP or HP as well?


Inquiry for the card was 12/2018, requested CLI by phone because no button 12/2019, SP,  asked to go from 14k->16k, denied.  Still a head scratcher.  He has the BT on there like I mentioned, but he's paying it down aggressively beyond the minimum and has no derogs.  Bit of a shrug, he's in pretty good shape all around, but also not the end of the world.







Message 29 of 41
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Frequent Contributor

Re: BofA CLI question

And then just now the button is there, so we asked for 14k -> 25k and it was granted.  I really feel like some of these companies have a guy with a magic eight ball and that's why they need 60 seconds before they give you an answer on the screen Smiley Tongue







Message 30 of 41
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