@K-in-Boston wrote:
+1 on back of card number. Their front-end CSRs are fairly empowered and can always connect you directly to a credit analyst if needed. Just be wary, unlike Chase BOA's analysts are incredibly friendly and helpful and you will be lucky to end the call without also getting another credit card, a mortgage refinance and a preapproval for an auto loan.
Bahahahahahahahahahahaha!! I just literally laughed out loud... One of my co-workers poked his head in my office.
Now he thinks I'm crazy! Thanks A LOT! Lol!
Cheers!
You're quite welcome and I'm assuming that by this "20 minutes" an hour later, you and the analyst are preparing to exchange holiday cards.
Lol, I saw Cash's reply first went back saw your reply K and i too chuckled out loud. Short time with Boa, about a year but great experience with my phone call to them . Good luck Cash, hope you get your Credit
Just got off the phone with 2 different Frontline reps (both told me they couldn't review the CLI for my higher requested limit without doing another HP).
The credit analyst office was closed, so I'll call in the morning and try to get them to use the HP from today.
I'll update everyone once that happens.
Does anyone have experience with getting BofA to up a CLI using the same HP??
Cheers!
The credit analyst office was closed, so I'll call in the morning and try to get them to use the HP from today.
I'll update everyone once that happens.
Does anyone have experience with getting BofA to up a CLI using the same HP??
Cheers!
Welp... Called the credit analyst (866) 618-4585 (call this number if you need to review your CLI and ask for more - the 2 reps from the Frontline number said a CLI review cannot be done without another HP, but the credit analyst informed me they can use the same report they pulled for 30 days)
The lady told me that she could not approve me for the full $30k line, but she put another request in for $25k, hoping I'd be approved for that.
She said they'd have to review my account and call me back within 2-3 business days with the verdict.
Does this sound like a decline to you guys, or do you think I'll possibly get bumped up to $25k?
Cheers!
The lady told me that she could not approve me for the full $30k line, but she put another request in for $25k, hoping I'd be approved for that.
She said they'd have to review my account and call me back within 2-3 business days with the verdict.
Does this sound like a decline to you guys, or do you think I'll possibly get bumped up to $25k?
Cheers!
Update:
I just decided to check my account online, just for S's & G's (I'm the kind of person who checks ALL of my accounts at LEAST once per day) and lo and behold, my CL was bumped up to $25k!!!
I'm over the moon right now! I totally thought the response I got from the analyst was a nice way of declining me...
Let this be hope to anyone who was approved a CLI, but not for the full amount you wanted, you just have to call the number listed in my post above (BofA only) and talk with a credit analyst.
I told them the reason I wanted more was to allow me to spend more on the card without my utilization to ever go over about 15% (without having to pay multiple times per month)... How can they say "no" to someone wanting to give them more money (more CC swipes)?
As always, YMMV, so don't get mad at me if it doesn't work with you 😊
Good luck!
Cheers!
I just decided to check my account online, just for S's & G's (I'm the kind of person who checks ALL of my accounts at LEAST once per day) and lo and behold, my CL was bumped up to $25k!!!
I'm over the moon right now! I totally thought the response I got from the analyst was a nice way of declining me...
Let this be hope to anyone who was approved a CLI, but not for the full amount you wanted, you just have to call the number listed in my post above (BofA only) and talk with a credit analyst.
I told them the reason I wanted more was to allow me to spend more on the card without my utilization to ever go over about 15% (without having to pay multiple times per month)... How can they say "no" to someone wanting to give them more money (more CC swipes)?
As always, YMMV, so don't get mad at me if it doesn't work with you 😊
Good luck!
Cheers!
Congrats and thanks for keeping us updated! So you seriously didn't get the most talkative analyst ever who tried to get you to switch every banking product you have to them? Kind of like Wells Fargo, but they get your input first?
@Cashbackjunky wrote:
Update:
I just decided to check my account online, just for S's & G's (I'm the kind of person who checks ALL of my accounts at LEAST once per day) and lo and behold, my CL was bumped up to $25k!!!
I'm over the moon right now! I totally thought the response I got from the analyst was a nice way of declining me...
Let this be hope to anyone who was approved a CLI, but not for the full amount you wanted, you just have to call the number listed in my post above (BofA only) and talk with a credit analyst.
I told them the reason I wanted more was to allow me to spend more on the card without my utilization to ever go over about 15% (without having to pay multiple times per month)... How can they say "no" to someone wanting to give them more money (more CC swipes)?
As always, YMMV, so don't get mad at me if it doesn't work with you 😊
Good luck!
Cheers!
Wow Cashbackjunky. This is absolutely wonderful news. A big Congratuations to you. FYI: I check all my accounts daily too. 
@K-in-Boston wrote:
Congrats and thanks for keeping us updated! So you seriously didn't get the most talkative analyst ever who tried to get you to switch every banking product you have to them? Kind of like Wells Fargo, but they get your input first?
Surprisingly enough, she didn't try to up sell me at all!
I've been on phone calls with reps from BofA who that's all they do is up sell.
@CreditInspired wrote:
@Cashbackjunky wrote:
Update:
I just decided to check my account online, just for S's & G's (I'm the kind of person who checks ALL of my accounts at LEAST once per day) and lo and behold, my CL was bumped up to $25k!!!
I'm over the moon right now! I totally thought the response I got from the analyst was a nice way of declining me...
Let this be hope to anyone who was approved a CLI, but not for the full amount you wanted, you just have to call the number listed in my post above (BofA only) and talk with a credit analyst.
I told them the reason I wanted more was to allow me to spend more on the card without my utilization to ever go over about 15% (without having to pay multiple times per month)... How can they say "no" to someone wanting to give them more money (more CC swipes)?
As always, YMMV, so don't get mad at me if it doesn't work with you 😊
Good luck!
Cheers!Wow Cashbackjunky. This is absolutely wonderful news. A big Congratuations to you. FYI: I check all my accounts daily too.
Thanks for the congrats!
30 more days then I can request CLI's on my Cap1 QS and AmEx BCP! (I app'ed for them on the same day and was approved for $10k and $14.5k respectively).
Cheers!