Card is over 5.5 years old, never requested a CLI before, but BofA gave a CLI to this card without a request. This account originally started off as a $300 secured account and graduated to in unsecured card. Until now it was a $4k CL TL.
New CL: $9,100
Instant approval
Don't know if it was a HP or SP yet. From all datapoints I reviewed in other posts, it's likely a SP.
My DP's
• 12/16 F8 scores: TU 740 | EX 733 | EQ 666
• $16.5k revolving balances
• 28.9% reported overall util
• AAOA 3 yrs 5 months
• $11k Car loan 74.55% paid off ($2800 left)
• 0 Inq's in over 2 years
Congrats on another CLI !!!
Bofa does sp on cli fyi
@Anonymous wrote:Congrats on another CLI !!!
Bofa does sp on cli fyi
Thanks! I want to watch The Geat Gatsby for some reason.
@Anonymous wrote:Congrats Nerd. 🥓🥓🍾🎉🎈🎊. BofA will grow quite nicely. Enjoy.
Thanks so much! I never paid any mind to this card since May. I'm going to put some spend through it for sport. Can the basic Americard be PC'd to a rewards card? It's just a PIF TL, hence no attention.
Congratulations on your CLI!
Congrats, very nice CLI!!!
Bumping this post one last time,
I received a letter in the mail regarding this luv. It says:
Your credit line increase request was processed and we've increased your credit line. Your credit lines are now as follows:
Total Credit Line: $9,100
Cash Credit Line (included as part of your Total Credit Line): $1,600
Information about our decision
When we make a decision like this, we analyze one or more of the following: your relationship with us, current economic trends and the credit report(s) we received from the agency(ies) listed below. Although the total credit line is lower than the amount you requested, it is the most we could approve at this time because of the following reasons:
The amount of credit extended to your buy us and/or our affiliates is sufficient
CR used: TU
TU Score: 720
Date of SP: 12/16
I asked for $10k online, they countered with $9100. I accepted. I haven't used this card in over a year. That may explain why $9100 is "sufficient".