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Just another manic Monday - BoA CLI x2

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Valued Contributor

Just another manic Monday - BoA CLI x2

Both of my Bank of America accounts have been showing the CLI link for about a month now, but I've been holding off on requesting a CLI until I app an auto loan in March.Thanks to K-In-Boston's advice (read: prodding Smiley LOL ) , I pulled the trigger early on my BoA CLI request, and went from $20K to $30K on my Cash Rewards, and from $1.3K to 4.8K on my BBR. I asked for $40K and $10K respectively, knowing they would counter with their max. 

 

Not only does this put me at a considerable amount of exposure with BoA ($34.8K), I am now in the 100K club. Not bad for someone who started with a $500 BBR card!

 

Please open a virtual bottle of moderately priced champagne for me! Smiley Wink

 

Data points: 

 

Single TU HP for my double-dip

Current scores in signature.

Last HP was 9/2017

Currenty aggregate util is 23%, all on cards with balances at 0%, and under 30% utilization (trying to keep my scores up for that new auto loan)

This card was at 99% util (high balance of $19,800) due to some BT's I wanted to spread payment terms out on. Current balance has been paid down to 83% in three months, will be down to about 50% here in a couple of months when I get my bonus, and can start throwing more money towards it.

Screen Shot 2018-01-08 at 2.33.08 PM.png

 

Screen Shot 2018-01-08 at 2.29.48 PM.png

 

 


Message 1 of 8
7 REPLIES 7
Community Leader
Super Contributor

Re: Just another manic Monday - BoA CLI x2

Congrats! It's only fair I post this gif here as well. Smiley LOL

 

 

Message 2 of 8
Valued Contributor

Re: Just another manic Monday - BoA CLI x2

Congratulations!! You're doing great!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 3 of 8
Frequent Contributor

Re: Just another manic Monday - BoA CLI x2

Congrats!  

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 4 of 8
Valued Contributor

Re: Just another manic Monday - BoA CLI x2

Awesome.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 5 of 8
Frequent Contributor

Re: Just another manic Monday - BoA CLI x2

Congratulations on both of your CLI's! Heres to you enjoying them.

Message 6 of 8
Moderator

Re: Just another manic Monday - BoA CLI x2

@DeeBee78 congrats!!!  Moderately-priced?  This deserves the good bubbly!  Somebody send AJC down to the basement.

Message 7 of 8
Established Contributor

Re: Just another manic Monday - BoA CLI x2

Image result for congrats gif

Message 8 of 8
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