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Hey all,
Just applied yesterday for a CLI on my BoA Cash Rewards. Current credit Line is 800$, account is 6 months old, util<3%, always PIF. Credit scores are ~700, but the Cash Rewards was my first credit line, so my history is short.
Was told initially by a CSR that I was eligible after 6 months for a CLI.
Applied yesterday for a CLI over the phone, got a 5-7 day message.
Using a backdoor number, a credit analyst just told me that I was denied, because :
- in my case, I have to wait 12 months before being eligible for a CLI (although my card is unsecured).
- not enough money on my checking account with them (I am not using it at all)
Do you think that's worth pushing it and trying recon ?
+1
It's pretty frustrating having to wait another 6 months for no real reason, with such a small CL. But if that's the best move I can do I'll just wait then