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BOA CLI approvals

New Contributor

BOA CLI approvals

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BOA Cash Rewards went from $38,400 to $58,400

 

BOA Travel Rewards went from $21,600 to to $29,100

 

Not Bad!  Didn't realize their CLI had gone to SP instead of HP until I was looking at forum posts.  

 

Now if only Chase would show me some love.   Wouldn't mind a little love from Barclay's either. 

MY Wallet: SG VISA $21.1k / BARCLAY REWARDS $1.9K / BARCLAY CARNIVAL WORLD MC $7.9K / IHG REWARDS $500 / DISCOVER IT $10K / TJX PLAT REWARDS MC $8K / BOA CASH REWARDS $58.4K / BOA TRAVEL REWARDS $29.1K / CHASE AMAZON $10K / CHASE FREEDOM $500 / CITI DIAM PREF MC / $11.2K / MODELLS VISA $15K / TOTAL REWARDS VISA $16.3K / FUEL REWARDS MC $9.5K / CAMPING WORLD VISA $14.3K / BELK $7.5K / MACYS $9.7K / WALMART MC $8K / CARE CREDIT $5k / TARGET $2.8K / JCP $1k / ROOMS TO GO $3200 / VS $2.9K / J CREW $30K / KOHLS $3K / GAP $1k / BEST BUY $2.3k / BUCKLE $2650 / BP $4K / AMAZON $6k / PAYPAL SC $4.9K / CAP1 QS $2650 / LOWE'S $17k / HSN $3.1K / EQUALITY VISA $5k / BANANA REPUBLIC $10K / CAMPING WORLD VISA $14.3 / POTTERY BARN $33K / CITI DC $7.5K
Message 1 of 14
13 REPLIES
Valued Contributor

Re: BOA CLI approvals

Congrats OP on B of A--your limits on those cards seems to dwarf the rest of your limits in your signature!! Don't get your hopes up about Chase--I just took a 2 bureau HP for a CLI on a 4 y/o card (CSP) with a $5K limit and the best they were able to do was another $5K...not worth the HPs for me--but YMMV.

BUSINESS Soon to be gone: Chase Freedom, Union Plus M/C, Blispay
Message 2 of 14
Established Member

Re: BOA CLI approvals

Can you confirm that Bank of america does SP when increasing your limit line ? 

Message 3 of 14
Valued Contributor

Re: BOA CLI approvals

Grats OP

Sorry Hoarder






3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>6/2018 CCT EX 796 TU 809 EQ 821
You are only young once, but you can be immature forever
Message 4 of 14
Valued Contributor

Re: BOA CLI approvals


@trathu wrote:

Can you confirm that Bank of america does SP when increasing your limit line ? 


If you want confirmation from more than one person--then check out the B of A To Stop HPs for CLIs thread in the Credit Card section. As far as everyone can tell it's true.

BUSINESS Soon to be gone: Chase Freedom, Union Plus M/C, Blispay
Message 5 of 14
New Contributor

Re: BOA CLI approvals

Those are some major credit increases! Congratulations!
Message 6 of 14
Valued Contributor

Re: BOA CLI approvals


@trathu wrote:

Can you confirm that Bank of america does SP when increasing your limit line ? 


Those are some mighty CLIs OP.  

 

Lots of confirmed data points here: https://ficoforums.myfico.com/t5/Credit-Cards/BoA-to-stop-HPs-for-CLI-s/td-p/5250589



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8
Message 7 of 14
Established Contributor

Re: BOA CLI approvals

Congrats on both CLI

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 8 of 14
Valued Member

Re: BOA CLI approvals

boa.PNGWhy does it still say this then? Specifically in the first paragraph. For the people that have applied, no hard inquries have shown up on any bureau?

FICO 8 EX 768 | TU 771 | EQ 773







Message 9 of 14
Valued Contributor

Re: BOA CLI approvals


@Pr3st1g3 wrote:

boa.PNGWhy does it still say this then? Specifically in the first paragraph. For the people that have applied, no hard inquries have shown up on any bureau?


Legal jargon, I suppose. They can still technically HP you if they want to. Citi’s retail division has very similar language on the Macy’s and Sears cards but they are typically SP CLI.  

 

Like @AverageJoeCredit says, as with everything, expect a HP and be thankful for a SP. 

 

In 47 pages of discussion on the link I provided above, I haven’t seen a HP since we became aware that the policy changed to SP.   Here’s my personal anecdote, I pullled the trigger last week and received no HP.  Interestingly though, it appears TU has to be thawed in order to get the SP. 



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8
Message 10 of 14