BOA Cash Rewards approved

tbea1004 · ‎03-06-2017

I have been repairingcredit for the last 2 months and got my EX report on track so I went ahead and applied for the Amex BCE card and was approved for 15K, after that I went for the BOA Cash Rewards card and was approved for 3K which is cool, but of course I would have liked for it to have been more. Can or should I try to recon the starting limit with BOA? If so will it result in another hard pull?

Anonymous · ‎03-06-2017

You can try but will probably be a TransUnion HP for the recon / credit limit increase request. BofA pulls EX for initial approvals and TU for CLI's. Personally I'd wait, use the card responsibly for 6 months than spend the HP on a CLI request of $25k.

kidink1911 · ‎03-06-2017

Congratulations on your BOA approval!!

PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / Macy's AMEX Card- $4,500 / SavorOne- $500 / PenFed Gold Visa- $5,000 / Venmo Visa - $20,000 / PayPal MC- $20,000 / PayPal Credit- $1,700 / NFCU Visa Signature cashRewards- $5,800 / AMEX Delta Platinum- $4,200 / NFCU More Rewards AMEX- $3,400 / NFCU Cash Rewards- $4,000 / Credit One Platinum Visa Rewards- $1,000 / Discover IT Chrome- $1,000 / Capital One Venture- $3,550 / AMEX Cash Magnet Card- $1,000 / Belk MC Card- $800 / Citi Shell Mastercard- $400 / Credit One AMEX- $800 / Capital One Spark- $700 / Capital One Platinum- $300 / Citibank Shell- $400 / Oportun Visa- $500 / Fifth Third Bank MC- $300
BUSINESS: American Express Business Platinum- NPSL / AMEX Hilton Honors Business Card- $3,000 / AMEX Delta Platinum Business Card- $3,000 / Marriott Bonvoy Business Card- $3,000 / American Express Business Gold- NPSL / American Express Business Green- NPSL / Sam's Club Business Mastercard- $20,000 / Floor and Decor Pro Premier Business- $20,000 / Phillips 66-Conoco-76 Business Gas Card- $5,000 / Walmart Community Credit Line- $5,000 / Fuelman Mastercard- $3,000 / Amazon Synchrony Business Credit Line- $5,000 / Lowe's Business Credit- $5,000 / Office Depot Commercial Credit- $2,500 / Tractor Supply Company Business- $1,500 / Citi Exxon/Mobil Business Gas Card- $3,000 / Speedway Business Mastercard- $4,500

tbea1004 · ‎03-06-2017

Thank you

Anonymous · ‎03-06-2017

Congrats! I agree with cashcorp1. What a bit and then press the luv button and shoot for the stars on your request. They can counter. The request link 1st popped up for me 6 mos after approval. Some have gotten it earlier though. They are pretty generous on cli's when it's an hp.

Anonymous · ‎03-06-2017

Congrats; it should grow well with responsible use

Anonymous · ‎03-06-2017

Just as an example, I have same card. Opened 8/23/16 with SL $2500. CLI Link appeared 11/22/16 day after statement cut. I Pulled the trigger, asked for $25,000 total, got $5800 total, a $3300 increase. That being said, there's a lot of data points and stories on the forum of members waiting 6 months before requesting there 1st CLI and getting a much better result.

Link showed up again on 2/22/17 (right after statement cut) and I am resisting with all of my strength. I'll wait until May/Jun and ask for $25,000 again...

Anonymous · ‎03-07-2017

Congratulations and enjoy your new card

Anonymous · ‎03-07-2017

Wow, great approvals for you, tbea! BCE at $15K to start is awesome, and your BofA Cash Rewards for $3K isn't really that bad at all! Like Cash said, it will grow leaps and bounds if you let it simmer for just the right amount of time. Super happy that your credit has turned around full circle!

JustBPatient · ‎03-07-2017

As mentioned by several posters CLI's can be available at the 3 month mark, but 6 months seems to be the sweet spot and ask for the moon, they will counter!! Good luck and congrats on the new card.

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745