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BofA CLI Approved - Hard Pull Language?

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Cashbackjunky
Established Contributor

BofA CLI Approved - Hard Pull Language?

Hey guys. Does the language below in the screenshot lead you to believe it would be a hard pull? I thought so and decided to call in to verify. It was a soft pull. Went from $25k to $40k on my card. 

Do you guys think this language is used just to discourage a CLI request?

 

6F8DF2A2-8BE5-4698-A108-D79BA77177BF.png


Cheers!

AmEx Blue Cash Everyday-$20k | | AmEx Cash Magnet-$20k | | Apple Card-$33k | | BofA Customized Cash-$99.9k | | BofA Customized Cash-$49.9k | | BofA Unlimited Cash-$50k | | CapOne Quicksilver-$30k | | CapOne Savor-$25.75k | | Chase Amazon-$30k | | Chase Freedom-$7.2k | | Chase Freedom Flex-$26.5k | | Chase Freedom Unlimited-$23.8k | | Chase Freedom Unlimited-$23.5k | | Chase Sapphire Preferred-$54.5k | | Citi Custom Cash-$26.9k | | Citi Custom Cash-$19.4k | | Discover It Cash Back-$18k | | Discover It Cash Back-$29.3k | | Discover It Travel-$14.5k | | Elan Max Cash Preferred-$15k | | Fidelity Rewards Visa Signature-$25k | | PayPal Cashback Mastercard-$25k | | PenFed Platinum Rewards Visa Signature-$12.5k | | PenFed Power Cash-$12.5k | | Sam's Club Mastercard-$20k | | Synchrony Discount Tire Card-$10k | | Wells Fargo Attune-$11k | | Wells Fargo Autograph-$25k

FICO Score 8:
850 INQ:
1
850 INQ:
5
837 INQ:
7

TCL: $758.15k CCs:28 AAoA: 7yr 1mo Util: ~1% Derog: 0

Mortgage: $201.0k Car Loan 1: $15.3k Car Loan 2: $16.3k
Message 1 of 8
7 REPLIES 7
Total80sKid
Senior Contributor

Re: BofA CLI Approved - Hard Pull Language?

Congrats on your BOFA CLI 👍🏼

Message 2 of 8
FinStar
Moderator Emeritus

Re: BofA CLI Approved - Hard Pull Language?

The HP language is there by regulation and compliance requirements, even if things are processed differently these days.  What you see is the former template disclaimer for CLI requests.  So, no it's not meant to "discourage" CLI requests, it just happens that they reassessed internal policies for these types of requests and they're currently SP.

Message 3 of 8
babygirl1256
Senior Contributor

Re: BofA CLI Approved - Hard Pull Language?

Congrats on your awesome BoA CLI.

 

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 4 of 8
CreditAggie
Community Leader
Super Contributor

Re: BofA CLI Approved - Hard Pull Language?

Congratulations on your BofA CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (January 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 8
gdale6
Moderator Emeritus

Re: BofA CLI Approved - Hard Pull Language?

Grats on your very nice CLI Smiley Happy

Message 6 of 8
KingRue8500
Senior Contributor

Re: BofA CLI Approved - Hard Pull Language?

Congrats on your BofA Customized Cash Rewards CLI




Message 7 of 8
Mr_Mojo_Risin
Senior Contributor

Re: BofA CLI Approved - Hard Pull Language?

Wow, that's an impressive CLI and card, cheers to that!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 8 of 8
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