cancel
Showing results for 
Search instead for 
Did you mean: 

How big of a CLI should we ask BoA for?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Regular Contributor

Re: How big of a CLI should we ask BoA for?

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

 

M

Message 11 of 19
Moderator

Re: How big of a CLI should we ask BoA for?


@MarkyMarkNYC 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


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. 

Message 12 of 19
Valued Contributor

Re: How big of a CLI should we ask BoA for?

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






Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.

Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.

I WANT to join: Hanscom FCU (For the 2 day early direct deposit).


Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 13 of 19
Frequent Contributor

Re: How big of a CLI should we ask BoA for?

I thought BoA hard pulls?

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 14 of 19
Moderator

Re: How big of a CLI should we ask BoA for?


@Creditobsessed12 wrote:

I thought BoA hard pulls?


@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

Message 15 of 19
Frequent Contributor

Re: How big of a CLI should we ask BoA for?

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!!!!
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 16 of 19
Contributor

Re: How big of a CLI should we ask BoA for?

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.
Message 17 of 19
Valued Contributor

Re: How big of a CLI should we ask BoA for?

Well...





Message 18 of 19
Moderator

Re: How big of a CLI should we ask BoA for?

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

 

@JST2021, if you would like to continue the discussion on your CLI you are welcome to start a thread in Credit Card Approvals.

 

--UB

Message 19 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.