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Double B of A CLI approval. Should I have asked for more?

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Frequent Contributor

Double B of A CLI approval. Should I have asked for more?

So I asked for a CLI on both the cash rewards and the lynch+. asked for $50k (from 30k) on the cash rewards and it came back approved instantly. Asked for 35k (from 16,800) on the lynch+ and it came back at $27,800. Am I at my new ceiling with b of a or should I have asked for higher on the cash rewards since it came back approved. In previous CLis i have asked and its approved a few grand lower (which is fine) but i felt like I left money on the table here. The link is still there should I ask again? OR Is the fact they "countered" on the second CLI a sign that im at my limit for a while. Both cards have had heavy use and i havent had a CLI for 12 months. 

 Screen Shot 2018-01-08 at 1.07.00 AM.pngScreen Shot 2018-01-08 at 1.07.40 AM.png

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 1 of 7
6 REPLIES 6
Established Contributor

Re: Double B of A CLI approval. Should I have asked for more?

Congrats on your Double CLI.  Now that's an impressive increase. 

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 2 of 7
Regular Contributor

Re: Double B of A CLI approval. Should I have asked for more?

Thats an awesome increase. I hope to be where your at in the future. WOW. In my exp asking for CLI from them if there is a counter and you were to try it again it will go to a 7-10 message. I guess you could think about calling card services to ask for the CLI you already got to be reviewed for higher amounts.. YMMV though.

Message 3 of 7
Valued Contributor

Re: Double B of A CLI approval. Should I have asked for more?

Wow! Congrats on your super awesome hi-roller CLI and heavy-hitter profile!!

I would tap that luv button again as there’s no harm in doing it. They won’t HP you again so worst case is they’ll just say no due to just recent increase. If you really need that extra then just call their UW/analysts and plead your case. Again, the worst thing is a “no” but you already won with those big fat double barreled increases!
BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 4 of 7
Super Contributor

Re: Double B of A CLI approval. Should I have asked for more?


@JR_TX wrote:
Wow! Congrats on your super awesome hi-roller CLI and heavy-hitter profile!!

I would tap that luv button again as there’s no harm in doing it. They won’t HP you again so worst case is they’ll just say no due to just recent increase. If you really need that extra then just call their UW/analysts and plead your case. Again, the worst thing is a “no” but you already won with those big fat double barreled increases!

+100

 

The luv button remains until that night's batch processing is completed. IME if you had tried it a 2nd time on the same card it would have triggered a manual review using the same HP.

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$900K+ club
Message 5 of 7
Frequent Contributor

Re: Double B of A CLI approval. Should I have asked for more?

Congratulations on the CLI across 2 different cards.

Message 6 of 7
Frequent Contributor

Re: Double B of A CLI approval. Should I have asked for more?

Thanks for that info regarding a poss manual review. 

Message 7 of 7
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