Re: BOA luv button instant approval! - myFICO® Forums - 5423032

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I'm in my early 20s, and for the first time last month I paid off all of my credit cards, which made my FICO to skyrocket from 620 to 710 in one month. And I saw the LUV button show up on my BOA CR account, and I clicked on it and asked for 10k (which is 5x previous). 30 seconds later, they approved me for 4.4k, wihch is 2.2x the original CL, which is great. Yay!

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Congrats ! ! !

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

Discover It : 10/17 : $4.1K APR 20.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU : 9/18 : $1K APR 13.99%

PenFed : 9/18 : OLOC $500

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

NFCU : 08/21 : Subaru Used Car Loan

U.S. Bank Cash+ Visa Signature

Chase Freedom Flex

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

Amazon Prime Rewards Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

Graph of Days Until Next Spade

Garden Goal Chart

Garden Club Spade

Your FICO credit scores are not just numbers, it’s a skill.

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Dino says what? WOO HOO🦖

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Congrats on the increase!!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

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Congrats on the cli. How long have you had the card?

Chase Freedom Unlimited $10,000

Amex Platinum - No SL

AMEX Bonvoy Business $18,800

AMEX Business Plus $10,000

AMEX Delta $1000

Apple Card $3250

Discover IT $3000

Wells Autograph $2000

Exxon Mobile Business Pro $3,750

Cap1 Savor One $1750

Cap1Plat2 $1250

CreditOne $2050

Ashley Furniture $2500

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Congrats on your increase!!

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Congrats on the CLI! Try it again in 91 days!

Scores - All bureaus 770 +
TCL - Est. $410K

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Congrats on your CLI !!!!

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WELL DONE!! Congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

USAA Rate Advantage Visa $20,500 @12.90%

USAA Platinum Visa $16,000 @18.90%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

AMEX HHilton Honors $25,000 @ 11.24%

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Congratulations on your score jump and 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:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

NFCU Flagship | $10,500 | August 2018

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

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