When to ask BOA for CLI after APPROVAL ? (with DP)

[charasblvd]

I was approved for BOA CCR 3% visa signature  0%15mo at SL 7000   $200SUBafter 1k

my DP at app was FICO8 EX:721 inq-2   new accnts- 1/6  1/12 3/24  - AAoA -5yr  AoOA- 6yr 10mo without AU - with AU 16yr

also 1 30 day late - 4yr 10mo ago , But the late doesnt show on TU which gives me a perfect history with a 776 FICO 8 score.

 DP: I also have a BOA checking i barely use for last 6 years. I also opened a BOA secured CC card about 5 years ago,

that was unsecured about 12mo later, I reciveded my $500 check and 6mo later it auto CLI to $3000CL BankAmerica card MC.

(can I PC change this card or allocate 2kcl boa cc to new boa cc)

 On the BOA APP my FICO shows as 776 TU, If i freeze my report and they use TU for SP, Since its my only report not showing my 1-30 day late so its my best score. Will It help getting high SP approval since there SL is based on my EX report 40-50point lower score than TU score

 How Soon after new approval should i request a CLI, Can i ask for both cards at the same time.

If approved or denied, whats the time-frame to ask for more.

I have a 6 yr old backup Boa checking with 1-2k cash  in it. Should i put some more in it or does that not make a diffrence.

How is BOA underwriting with there Biz CC and SL's?

[markbeiser]

You can request a CLI on a BoA card after 3 months.

[charasblvd]

If you have two cards, should you ask at diffrent times or back to back?

Is it possible to PC the BANKAMERICA MC that was unsecured to a BOA Travel Rewards card?

So every 91 days, do they base there approval on TU everytime?

thnx for the help.

[markbeiser]

A few months ago I got a $3k CLI on my SGK card that was 3 months old at the time, then requested and got an $8k CLI on my old CCR card on the same night.
I assume it was a SP of the TU data they already had.

Typically you can't PC between points and cash back cards, but I've seen mixed reports, so YRMV.

[coldfusion]

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@charasblvd wrote:

If you have two cards, should you ask at diffrent times or back to back?

Is it possible to PC the BANKAMERICA MC that was unsecured to a BOA Travel Rewards card?

So every 91 days, do they base there approval on TU everytime?

thnx for the help.

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Starting with the possiblity of a PC,  the short answer is maybe.   BoA does allow many different permutations of product changes but some of them are evaluated on a case-by-case basis to see if you qualify.  You can call the customer support number listed on the back of your Mastercard and ask the CSR to check if this PC would be an option for you.

They are a reliable TU soft-puller to evaluate CLI requests but they have a history of refusing to play along with attempts to control who they can pull from, if they can't see what they want they just deny the application.

You can apply for CLIs on multiple cards on the same day (I've done it successfully) but the 2nd request is almost always deferred for manual review and you get a 7-10 day message.   If you didn't get everything you asked for with your 1st request the 2nd one would probably be denied.  In that particular case you'd be better off deferring that 2nd request for a while as the inference with a counteroffer is that they've already given you everything that they're currently willing to give you. 

As for your initial question regarding the underwriting of  their business cards,  please feel free to create another thread in Business Credit with your question as you'll likely get more and better responses there than here.