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BoA HP CLI's are always generous!

Valued Contributor

BoA HP CLI's are always generous!

It's been 6 months since my last HP CLI with BoA BBR. This card started at $500 in November of 2015 and has grown steadily with every HP CLI I've asked for.


$500 to $2300

$2300 to $6300

and today... $6300 to $12,300!


This is my first 5 digit limit on a major card, so I'm doing a little happy dance at the moment. Smiley Very Happy The only thing this card is used for is recurring Netflix charges of $9.99 a month. Funny enough, they encourage me to use my new credit limit to start transferring balances to it, but won't give me a BT offer better than my purchase APR Smiley Frustrated


Datapoints: TU pulled at 690. Last HP was three months ago when I did a pretty decent app spree. Scores are being kept down by one super old medical collection, and high utilization (over 50%) across three other cards right now (All zero percent APR, thankfully). I just started a new job so I put in my new annual income of $90K into the CLI request form, so that might have helped with the CLI amount. I know they counter offer, so I asked for $15K today.


My utilization should go down fairly quick, I'll have most of my debt paid off by the end of the year, and the income bump from $65K to $90K will help significantly. $5K of my outstanding $18K of debt should be reimbursed here shortly, so it's not as bad as it looks on paper Smiley Happy 


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Message 1 of 7
Frequent Contributor

Re: BoA HP CLI's are always generous!

Congrats on the CLI!!  And good job working on lowering your utilization. Smiley Happy

Message 2 of 7
Valued Contributor

Re: BoA HP CLI's are always generous!

Sweet. Enjoy your nice dinner. 🐬🎈🍾🎊🎉

Message 3 of 7
Valued Contributor

Re: BoA HP CLI's are always generous!

Never fails....congratulations!!Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 4 of 7
Frequent Contributor

Re: BoA HP CLI's are always generous!

Congrats on the new spending limits

Message 5 of 7
Established Contributor

Re: BoA HP CLI's are always generous!

congrats on your new credit increase! Thats a great jump into the 5 digit limits on a prime lender card!  All Ive been hearing is good things about Bofa recently, it looks they they  took care of you with that even with just a $9.99 usuage lol. I can't wait to receive my cash rewards card next week. 

Message 6 of 7
Moderator Emeritus

Re: BoA HP CLI's are always generous!

Congrats on CLI success!


IME, you need to call in to get the best BT offers from BoA.   You should try that if you're considering a BT.   IMHO, BBR is a great BT card if you have a good offer.  

Start: 619 (TU08, 9/2013) | Current: 795 (TU08, 10/14/20)
AMEX Cash Magnet $59000 | BofA BBR #1 $43900 | Discover IT $39000 | BoA BBR #2 $31100 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $24500 | GS Apple Card WEMC $20000 | Sony Card VS $19750 | Cap 1 QS WMC $17250 | Freedom Flex WEMC $15000 | Disney Premier VS $15000 | FNBO Rewards VS $15000 | Target MC $13500 | WF Cash Wise VS $12,000 | Cap 1 SavorOne WEMC $10500 | Amazon VS $10000 | Blispay $7500 | AARP VS $5800 | Cash Back World WMC $3000 ~~
Message 7 of 7
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