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Amex EveryDay & BofA Cash Rewards CLIs

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Senior Contributor

Amex EveryDay & BofA Cash Rewards CLIs

My Amex EveryDay card became eligible for a CLI on 4/6 but I decided to wait until later in the month in order to reallocate a portion of the credit line to my Blue Business Plus card, and make sure Amex soft pulled my latest scores.  After reallocation the credit limit was at $15,000 so on 4/25 I requested a 2X CLI to $30,000 which was immediately approved.  I'm sure I left some credit limits on the table but I'm satisfied with the increased limit.

 

My BofA Cash Rewards was at $50,000 and also became eligible for another CLI on 4/6.  I requested an increase to $99,900 just for grins and was for the first time ever I got a decline from BofA.  The adverse action letter cited a number of reasons why they couldn't grant an increase.  I had planned to wait 30 days and make another request but since I thought the reasons given for the denial were not supported by my credit reports, I submitted a request for a CLI to $75,000 a few minutes ago and was immediately approved for $70,000.

 

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Message 1 of 21
20 REPLIES 20
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Valued Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

Nice big jump on the ED, congrats!  BOA even better, kudos to you!


Message 2 of 21
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Valued Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

Bam!Bam!




Living through Darwinism is so much worse than learning about about it in school.
Message 3 of 21
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Community Leader
Super Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

Congrats on your two sizable increases there

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 4 of 21
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New Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

What awesome CLI’s you have my dear!!!
Congratulations!!!
Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, you'll do things differently.





Starting Score: 525
Current Middle Score: 715
Goal Score: 750

Take the myFICO Fitness Challenge



Message 5 of 21
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Senior Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

A portion of the 3-page Adverse Action notice I received from BofA earlier this month.  The only thing I could think is that I made my request one day too early (reason #1).

 

boa-lettter-cropped.png





Message 6 of 21
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Community Leader
Senior Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

Awww only 30k and 70k?? You can hardly buy gum with that!

 

Congrats on the mega increases!!!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 21
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Established Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

Congrats on the amex CLI



Message 8 of 21
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Moderator

Re: Amex EveryDay & BofA Cash Rewards CLIs

Congrats on the clis maize! 

Got some pruning to do... No more new cards!
Message 9 of 21
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Senior Contributor

Re: Amex EveryDay & BofA Cash Rewards CLIs

Congratulations on your CLI approvals!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 10 of 21
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