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BOA CLI

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Anonymous
Not applicable

BOA CLI

Noticed that my FICO score updated on BOA's app and decided to give the credit increase a try on my Cash Rewards. They approved instantly a $5k increase. I went from 10k to 15k. I only asked for the $15k. I think I should have asked for more.

 

Message 1 of 13
12 REPLIES 12
Nova5041
Frequent Contributor

Re: BOA CLI

Congrats on the Cli, BOA is very good about taking care of you if you treat them right!


BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 2 of 13
Gmood1
Super Contributor

Re: BOA CLI

Normally you'll see a request limit increase near your current limit when your eligible.
Also shoot for the stars when you do request. The system will counter offer if the asking limit isn't approved. Chances are you left a couple of thousand on the table. If the highlighted limit increase is still showing. You can go back in and try again. You see it in desktop mode on your phone, but not through the phone app.

Bofa 321.png

Message 3 of 13
Anonymous
Not applicable

Re: BOA CLI

I got greedy and applied for the travel rewards as well. It’s now pending....
Message 4 of 13
Gmood1
Super Contributor

Re: BOA CLI

At least it's not a denial. You've got a shot. They may move some limits around to open it
Message 5 of 13
Anonymous
Not applicable

Re: BOA CLI

Boa pending status likely an approval other wise they will give you a straight denial, it happened with me both travel reward and premium reward.
Message 6 of 13
19eighty5
Senior Contributor

Re: BOA CLI

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 7 of 13
Priory_Man
Valued Contributor

Re: BOA CLI

Congrats on the CLI, good luck on the rewards card, let us know how it worked out.






"Total revolving credit $300,000 Current UTIL <1%"
Message 8 of 13
xaximus
Valued Contributor

Re: BOA CLI

Congrats on the CLI! As Gmood1 said, always shoot for the stars when requesting CLI from BoA. I've been putting in 100k each time when getting the CLI link. Smiley Very Happy



Scores - All bureaus 770 +
TCL - Est. $410K
Message 9 of 13
Anonymous
Not applicable

Re: BOA CLI

Called up this morning... spoke to a senior analyst. She approved me (no moving of CL around). It sounds like the amount of money I left on the table is what they approved the card for... $2k. 

Message 10 of 13
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