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BofA CLI Luv!

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barbaralee
Established Contributor

Re: BofA CLI Luv!

That is so fumny, because they increased our limit, too! The BofA card was the first "big boy"'credit card that my husband got. It was only 1k so my husband gave one to me and one to his dad for emergencies. I have never used it, but my father in law uses it once a month at the VA for his meds (a whopping $24). A year ago they increased it to 2k, and today I said hells bells and submitted a request and they increased it to 4k! Right now hubby uses AF Arrival, and he doesn't want to switch out even when the AF hits ( they gave him a 10k limit, btw). His credit is excellent, and he can definitely get a better card, but he is happy with what he has. 

 

I was doing some comparison shopping to see how the BofA cash stands, but I decided to do the CLI first. Smiley Tongue 

Message 21 of 31
gdale6
Moderator Emeritus

Re: BofA CLI Luv!


@-HighScoringGame- wrote:

Just requested a CLI with BofA and got it instantly with a soft pull! Yay! Doubled my current credit line with them. It's been stuck at $4,000 for awhile. Haven't been able to get a SP CLI with them - Like EVER. So stoked! Smiley Very Happy


Grats & enjoy Smiley Happy

Message 22 of 31
-HighScoringGame-
New Contributor

Re: BofA CLI Luv!


@Bman70 wrote:

@-HighScoringGame- wrote:

HP verified! DARN!!!!!!!!!!!!!!!!!!!!!!!!! Expletives!!!!!!!!!!!!!!!!!!!! Just got off chat with BofA. They apologized about the "no notification" and said if I wanted MORE of a limit it would be ANOTHER HP. I said no thank you!

 

Alright guys, take a good look at the sparkly plantinum spade cuz it's going away. Turning back into a sprout. Sad, sad day. But worth it! Smiley Happy


Lol, well congrats on the increase - and the year of gardening! This one hp won't affect your garden that much, but the increased CL and concurrently lowered util should boost your FICO nicely


Thank you! I might do a post with just my beautiful, sparkly platinum spade in it...so I can remember...sniff sniff..

Current Scores: EX 733, EQ 738, TU 738
Current Cards: Discover IT $19,000, Amex BCE $20,000, BofA Rewards Visa (AAA) $16,000, Chase Freedom Unlimited $10,000, Avenue $1,190, Lane Bryant $750

~Re-entered the Garden: July 2018
~In the Garden until: July 2019
Message 23 of 31
-HighScoringGame-
New Contributor

Re: BofA CLI Luv!

 

 

Bye bye Plantinum Spade. See you again next year. Smiley Sad

 

Yay CLI!!! Smiley Happy

Current Scores: EX 733, EQ 738, TU 738
Current Cards: Discover IT $19,000, Amex BCE $20,000, BofA Rewards Visa (AAA) $16,000, Chase Freedom Unlimited $10,000, Avenue $1,190, Lane Bryant $750

~Re-entered the Garden: July 2018
~In the Garden until: July 2019
Message 24 of 31
Christina_xyt
Established Contributor

Re: BofA CLI Luv!


@-HighScoringGame- wrote:

@Creditaddict wrote:

@-HighScoringGame- wrote:

HP verified! DARN!!!!!!!!!!!!!!!!!!!!!!!!! Expletives!!!!!!!!!!!!!!!!!!!! Just got off chat with BofA. They apologized about the "no notification" and said if I wanted MORE of a limit it would be ANOTHER HP. I said no thank you!

 

Alright guys, take a good look at the sparkly plantinum spade cuz it's going away. Turning back into a sprout. Sad, sad day. But worth it! Smiley Happy


ugh people are so misinformed... that's one thing BofA is good at... once they have a hard pull they will use it for 30 days... either request it online again yourself or call the backdoor number and they will use that pull and see about more.


Okay, I'm gonna call them when I get home. I don't want to risk another HP by requesing online again. Expletives!!!!!!!!!!!! Yeah, that's me, tryin' not to cuss. =)


I am mostly wrong but I got something to say..

 

I was told by fidelity (not sure.. but everybody says fidelity boa together.. same.. blah.. but anyway) if it's within 30 days. they use the same credit report.. but then when i tried it.. it was another hit!!.. they said the would request to remove it but it was still on my credit report.. so meh..


In sequence of approval, Last app/inquiry 5/30/2015
Message 25 of 31
-HighScoringGame-
New Contributor

Re: BofA CLI Luv!


@Christina_xyt wrote:

@-HighScoringGame- wrote:

@Creditaddict wrote:

@-HighScoringGame- wrote:

HP verified! DARN!!!!!!!!!!!!!!!!!!!!!!!!! Expletives!!!!!!!!!!!!!!!!!!!! Just got off chat with BofA. They apologized about the "no notification" and said if I wanted MORE of a limit it would be ANOTHER HP. I said no thank you!

 

Alright guys, take a good look at the sparkly plantinum spade cuz it's going away. Turning back into a sprout. Sad, sad day. But worth it! Smiley Happy


ugh people are so misinformed... that's one thing BofA is good at... once they have a hard pull they will use it for 30 days... either request it online again yourself or call the backdoor number and they will use that pull and see about more.


Okay, I'm gonna call them when I get home. I don't want to risk another HP by requesing online again. Expletives!!!!!!!!!!!! Yeah, that's me, tryin' not to cuss. =)


I am mostly wrong but I got something to say..

 

I was told by fidelity (not sure.. but everybody says fidelity boa together.. same.. blah.. but anyway) if it's within 30 days. they use the same credit report.. but then when i tried it.. it was another hit!!.. they said the would request to remove it but it was still on my credit report.. so meh..


Yeah, I dunno. I may just leave well enough alone. But, then again, you know what? It doesn't hurt to try. And if they say another HP tonight I'm gonna decline it.

 

Since I've escaped the garden I may go for that Sallie Mae everyone's been drooling over. Oh God what have I done! Lol. I'm out and getting myself into trouble. Smiley Very Happy

Current Scores: EX 733, EQ 738, TU 738
Current Cards: Discover IT $19,000, Amex BCE $20,000, BofA Rewards Visa (AAA) $16,000, Chase Freedom Unlimited $10,000, Avenue $1,190, Lane Bryant $750

~Re-entered the Garden: July 2018
~In the Garden until: July 2019
Message 26 of 31
Creditaddict
Legendary Contributor

Re: BofA CLI Luv!


@-HighScoringGame- wrote:

@Christina_xyt wrote:

@-HighScoringGame- wrote:

@Creditaddict wrote:

@-HighScoringGame- wrote:

HP verified! DARN!!!!!!!!!!!!!!!!!!!!!!!!! Expletives!!!!!!!!!!!!!!!!!!!! Just got off chat with BofA. They apologized about the "no notification" and said if I wanted MORE of a limit it would be ANOTHER HP. I said no thank you!

 

Alright guys, take a good look at the sparkly plantinum spade cuz it's going away. Turning back into a sprout. Sad, sad day. But worth it! Smiley Happy


ugh people are so misinformed... that's one thing BofA is good at... once they have a hard pull they will use it for 30 days... either request it online again yourself or call the backdoor number and they will use that pull and see about more.


Okay, I'm gonna call them when I get home. I don't want to risk another HP by requesing online again. Expletives!!!!!!!!!!!! Yeah, that's me, tryin' not to cuss. =)


I am mostly wrong but I got something to say..

 

I was told by fidelity (not sure.. but everybody says fidelity boa together.. same.. blah.. but anyway) if it's within 30 days. they use the same credit report.. but then when i tried it.. it was another hit!!.. they said the would request to remove it but it was still on my credit report.. so meh..


Yeah, I dunno. I may just leave well enought alone. But, then again, you know what? It doesn't hurt to try. And if they say another HP tonight I'm gonna decline it.

 

Since I've escaped the garden I may go for that Sallie Mae eveyone's been drooling over. Oh God what have I done! Lol. I'm out and getting myself into trouble. Smiley Very Happy


just call in to backdoor, the system won't even let them pull again because it's going to be there.

Message 27 of 31
coldnmn
Mega Contributor

Re: BofA CLI Luv!

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 28 of 31
Marcos8
Established Contributor

Re: BofA CLI Luv!

Whats the best way to CLI with BOA? Luv button, chat, or phone call? Does a certain route produce better results?

Message 29 of 31
BigBS
Senior Contributor

Re: BofA CLI Luv!

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 30 of 31
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