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BoA CLI

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SweetCreditObsession
Valued Contributor
‎02-20-2023 04:49 PM
‎02-20-2023 04:49 PM

Re: BoA CLI

Thank you, @Yasselife!



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 11 of 26
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nytokyobred79
Valued Contributor
‎02-20-2023 05:13 PM
‎02-20-2023 05:13 PM

Re: BoA CLI

Congrats on your 10K cli. Keep it going in 91 days 😊

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $216,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $70K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 12 of 26
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CCARD
New Member
New Member
‎02-20-2023 05:59 PM
‎02-20-2023 05:59 PM

Re: BoA CLI

@SweetCreditObsession wrote:

Had the card for 2+ years and have received CLIs roughly every 91+ days since the card turned 1.

 

I requested a 99000 CL and received a 10k CLI - a little under a 30% increase.

 

I use the card for small purchases up to 150 every other month or so. I've carried a balance for approximately a year.


Re: BoA Cash Rewards VS CLI
Is there a ceiling? e.g. the annual income is 80K, will BoA grand you for 50K, 60K even more?
Thanks!

Message 13 of 26
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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎02-20-2023 09:43 PM
‎02-20-2023 09:43 PM

Re: BoA CLI

Congratulations on your BofA CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 14 of 26
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M_Smart007
Legendary Contributor
‎02-21-2023 08:42 AM
‎02-21-2023 08:42 AM

Re: BoA CLI

Congrats on your BoA CLISmiley Happy

Message 15 of 26
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SweetCreditObsession
Valued Contributor
‎02-21-2023 09:01 AM
‎02-21-2023 09:01 AM

Re: BoA CLI

@nytokyobred79 wrote:

Congrats on your 10K cli. Keep it going in 91 days 😊

@nytokyobred79, thanks! I'll take your advice and try again in 91 days. Smiley Very Happy



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 16 of 26
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SweetCreditObsession
Valued Contributor
‎02-21-2023 09:39 AM
‎02-21-2023 09:39 AM

Re: BoA CLI

@CCARD wrote:
@SweetCreditObsession wrote:

Had the card for 2+ years and have received CLIs roughly every 91+ days since the card turned 1.

 

I requested a 99000 CL and received a 10k CLI - a little under a 30% increase.

 

I use the card for small purchases up to 150 every other month or so. I've carried a balance for approximately a year.


Re: BoA Cash Rewards VS CLI
Is there a ceiling? e.g. the annual income is 80K, will BoA grand you for 50K, 60K even more?
Thanks!

@CCARD - those are excellent questions! 

 

I'm not aware of a ceiling. I know that some have received CLs over 100K with BoA. I haven't reached that so I'm working toward getting to 50k and then I'll hope to keep growing. 

 

As for income requirements, I'm not aware of them. I'd recommend applying for a Cash Rewards (or whichever one you want) card and letting it grow. Mine started as the second highest CL I had at the time. I didn't get a CLI until I had the card for a year; it's grown steadily since then and is my largest credit line to date.

 

Best wishes, whatever you choose to do. 



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 17 of 26
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SweetCreditObsession
Valued Contributor
‎02-21-2023 09:41 AM
‎02-21-2023 09:41 AM

Re: BoA CLI

Thank you, @CreditAggie Smiley Happy



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 18 of 26
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SweetCreditObsession
Valued Contributor
‎02-21-2023 09:41 AM
‎02-21-2023 09:41 AM

Re: BoA CLI

Thank you, @M_Smart007 Smiley Happy



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 19 of 26
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NoMoreDebt
Senior Contributor
‎02-21-2023 05:12 PM
‎02-21-2023 05:12 PM

Re: BoA CLI

Congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 20 of 26
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