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BOA CLI info others may want to know about!!!

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Anonymous
Not applicable

BOA CLI info others may want to know about!!!

Logged on website and asked for a CLI. Said fill in the box how much I wanted. Hate that. Left blank said sorry, you have to put in an amount. Was at $4000 said let’s do $6000 ( maybe don’t ask for much they will do a SP) Gave $6,000. Did a HP. Oh well. But I will always wonder what if I had punched in...

In an unrelated matter while on the phone with the rep, while she’s processing a 0% balance transfer, I start talking cuz, well I’m bored and she was fun to chat with. Anyone who laughs at my jokes are “fun” to chat with lately..

Just for no reason whatsoever, I mention the story about getting the increase and how I hated only putting in 6k cuz I would never know how much they would have REALLY gave me, while adding my unsuccessful theory about the SP and soooooooooo glad I did!

She says, well you know, if you ask again within 30 days, they use the same inquiry for your request and you can ask again for a higher amount if you want!

Really? Seriously? Oooook. COOL. Can you do this over the phone for me? She says sure.

So I say $8,000. She says aprroved. I laugh she laughs. I said can I do this again, I mean do people really sit here and do this multiple times? She said they sure do. I said ok. Let’s do $10,000..

She says APPROVED. Huh? Really! Ok, third times a charm, let’s do $12,500. Ooooops. No. But not no no no. Just no for now, it has to be reviewed.

Still, from 4, to 6, to 8, to 10. All for being a talkative fellow Smiley Happy Good luck to everyone else, give it shot!!!
Message 1 of 13
12 REPLIES 12
simplynoir
Community Leader
Mega Contributor

Re: BOA CLI info others may want to know about!!!

It's been known for CLI requests with BofA to shoot for the moon and let them counter you on this board. It'll be a nice data point regardless to those that come across this post and read about your experience. Congrats on the CLI!
Message 2 of 13
Gmood1
Super Contributor

Re: BOA CLI info others may want to know about!!!

Congratulations on the increases.
We already know about the go back in and request more. You can do it from the online site.
I believe it was CC Credit Curiousity who discovered this more than two years ago. lol
Best to just shoot for the stars once and let the system counter offer.
Thanks for the information regardless.
Oops, Noir beat me too it. lol
Message 3 of 13
ShatteredK
Regular Contributor

Re: BOA CLI info others may want to know about!!!

Nice CLI congrats!
.:: AmEx Gold Delta | AmEx Blue Cash | Citi AAdvantage | Chase Amazon Prime Signature Visa | Wells Fargo Platinum::.
02.15.18:
Today:
Message 4 of 13
Anonymous
Not applicable

Re: BOA CLI info others may want to know about!!!

Well, if anything, it’s now at the top of the list so others may come across it inadvertently!!! LOL
After all, I didn’t know about it so now it can be fresh news again for everybody vs 2 year old news Smiley Happy
Message 5 of 13
Anonymous
Not applicable

Re: BOA CLI info others may want to know about!!!

“Best to just shoot for the stars once and let the system counter offer”

Curious now. So, guess you could say I’m credit card curiosity as well! (any credit for that in helping me claim being the first to report this?)

Why do you think it didn’t just counter at say $11,500 and let it go at my last request? Is that a first time, one time only shot thing?
Message 6 of 13
simplynoir
Community Leader
Mega Contributor

Re: BOA CLI info others may want to know about!!!

The reason to shoot for the moon is to let the system to match or counter is to remove any of the guesswork so to speak. Like how you submitted multiple small requests to get to your new CL the large request of let's say $20k would have eliminated any uncertainty when the system says "nah I ain't giving you that limit but how about this nice $10k instead" and everyone walks away a winner. Plus - and this is my opinion - it feels like more often than not the system will try to accommodate your request to a degree assuming your credit profile supports it.
Message 7 of 13
Anonymous
Not applicable

Re: BOA CLI info others may want to know about!!!


@Anonymouswrote:
“Best to just shoot for the stars once and let the system counter offer”

Curious now. So, guess you could say I’m credit card curiosity as well! (any credit for that in helping me claim being the first to report this?)

Why do you think it didn’t just counter at say $11,500 and let it go at my last request? Is that a first time, one time only shot thing?

because 10k is most likely your limit right now therefore you had already reached it. 

Message 8 of 13
imaximous
Valued Contributor

Re: BOA CLI info others may want to know about!!!

I tried the "shoot for the moon" approach a while back and it kinda sorta worked, haha.
I was stuck at $2k for years, so I requested $20k. I don't know why I did that knowing it'd be quite impossible to jump 10x on a card I never used. It went to review, of course.
I called because I don't like waiting, and the lady came back and said sorry we can't approve your request for 20k, but we can give you 7.2k. I said, I'll take it before she was able to continue talking about the reasons, and she started laughing.
Then, she said it was because I don't use the card and have enough credit with them and elsewhere.
Message 9 of 13
Anonymous
Not applicable

Re: BOA CLI info others may want to know about!!!

Do some CSRs for BoA or other banks have more power than other CSRs? Or do they all just type your info into a computer and see what happens?

Message 10 of 13
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