How big of a CLI should we ask BoA for?

[Anonymous]

Amazing CLI history w BofA. Congrats... Question...Why were the last few CLI's only SP's and first ones HP's? Thx

M

[FinStar]

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@Anonymous wrote:

Amazing CLI history w BofA. Congrats... Question...Why were the last few CLI's only SP's and first ones HP's? Thx

M

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BoA changed their internal UW origination policy for CLI requests several months ago.  The SP policy only applies to CLIs (or CL reallocations) not new accounts. 

[MyDataMyChoice]

I would ask for 25K let them counter.... prob give you 5K

[Creditobsessed12]

I thought BoA hard pulls?

[FinStar]

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@Creditobsessed12 wrote:

I thought BoA hard pulls?

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@Creditobsessed12, you may want to reference the link below.  It's been active since May of this year:

https://ficoforums.myfico.com/t5/Credit-Cards/BoA-to-stop-HPs-for-CLI-s/td-p/5250589

[Creditobsessed12]

Wow thanks!!! i just got my BoA card from $2500 to $5000 and I had just gotten an auto CLI from 500 to 2500 last month! Pretty cool. Thanks!!!!

[Anonymous]

Update: The card hit the 3 month mark yesterday. We used the luv button online, asked for 10k, and they countered with 3.2k, still nearly 5x the SL. Not bad, not bad at all.

[Anonymous]

Well...

[UncleB]

As the CLI was approved this thread is now locked and closed to new messages.

@Anonymous, if you would like to continue the discussion on your CLI you are welcome to start a thread in Credit Card Approvals.

--UB