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BofA Americard CLI request | APPROVED

_NERD
Established Contributor

BofA Americard CLI request | APPROVED

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


3B profile optimization in progress...
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7 REPLIES 7
VoltronM
Senior Contributor

Re: BofA Americard CLI request | APPROVED

Congrats on another CLI !!!

Bofa does sp on cli fyi

 

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 8
_NERD
Established Contributor

Re: BofA Americard CLI request | APPROVED


@VoltronM wrote:

Congrats on another CLI !!!

Bofa does sp on cli fyi

 

 

 

 


Thanks!  I want to watch The Geat Gatsby for some reason.


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Miesterbro
Valued Contributor

Re: BofA Americard CLI request | APPROVED

Congrats Nerd.  🥓🥓🍾🎉🎈🎊. BofA will grow quite nicely.  Enjoy. 


(10/05/18)
Message 4 of 8
_NERD
Established Contributor

Re: BofA Americard CLI request | APPROVED


@Miesterbro 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.


3B profile optimization in progress...
Message 5 of 8
19eighty5
Senior Contributor

Re: BofA Americard CLI request | APPROVED

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 6 of 8
Nova5041
Frequent Contributor

Re: BofA Americard CLI request | APPROVED

Congrats, very nice CLI!!!


BK 7 Discharged: 05/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 7 of 8
_NERD
Established Contributor

Re: BofA Americard CLI request | APPROVED

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".  

 


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