$3,000 CLI on BofA Cash Rewards Visa Platinum and $3,600 CLI on AMEX Optima Platinum

[Anonymous]

THANK YOU!  After reading your posts, I felt a surge of encouragment and went for it!  From $2K, I asked for a $3K increase and closed my eyes.

This is the $99/$500 Visa I opened in 01/2016.

BTW, what are your MyFICO subscription recommendations?  Much appreaciated.

What I have:

OCWEN Mortgage - I cannot wait to break up with OCWEN. BofA and Citi denied my refi app.

AMEX Optima Platinum $7K CL - No Balance. Recent CLI (07/01/17). I carried a balance for a long time.  After I paid balance off mid-June, offers started pouring, but still chicken to apply.

BofA Cash Rewards Visa Platinum $5K CL (as of today) - PIF each month.

CapOne $49/$200 MC - I use for Lyft rides (opened 05/2017), and not in report yet.

AMEX Platinum (07/03/2017) - Invite arrived after I paid off Optima.

TU 689

EQ 688

$83K Annual Salary

[peghede]

Congrats m8, did bofa hd pull you?

[AverageJoesCredit]

Great job on your new clis

[Gmood1]

Congrats, FYI when requesting a CLI with BofA and your request is instantly approved. It means you've left CL on the table. You can go right back in and request again. Just shoot high. The system will counter offer you to the highest limit approved at this time.

[Anonymous]

Thank you! BofA SP, same as AMEX. I feel like I should garden for 3 months at least.

[Anonymous]

Thanks again.  SP on both.  Reading up tonight if I should try to garden for a bit.

[peghede]

bofa always wanna hp TU on me,and i tell them no way in hell keep your money and high apr cards .i hate them equally with chase.lol

[Anonymous]

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@Gmood1 wrote:
Congrats, FYI when requesting a CLI with BofA and your request is instantly approved. It means you've left CL on the table. You can go right back in and request again. Just shoot high. The system will counter offer you to the highest limit approved at this time.

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Thank you!  Wow, of course I did not know that. The things I learn from here is amazing.  Thanks for sharing what you know.  I hope I can pay forward the info someday.

[Anonymous]

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@peghede wrote:

bofa always wanna hp me.and i tell them no way in hell.i hate them equally with chase.lol

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Ha-ha!  I'll read up on Chase soon.

[Gmood1]

No problem, now go back to your BofA on-line account and try again. Lol
It's not too late and they normally hard pull TU for CLIs. If you've been HP'd get all you can out of it.