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Congrats on the CLIs there, sir! Goal is almost in sight...
@K-in-Boston wrote:
@credit_endurance wrote:That’s awesome K! I’m going to give it 6 months between requests this time instead of my typical 3 and see if I can squeeze out a more substantial increase from them.
I wish there was an easy way for us to be able to tell whether it actually makes a difference or not. As you can see by my dates, I got 5-digit CLIs just 3-4 months after receiving others. Cash Rewards is the only one that I've requested where I waited more than 6 months and it was "only" (oh boy do I sound jaded now!) $7500, although that was a 2X CLI so nothing to sneeze at. Best of luck, though!
Right.. I know...I was on a pretty good roll with them up until Nov when my last cli request(s) only yielded $3,900 total between both my Merrill + & 123 Rewards. I even used that pull to app for Premier Rewards and of course declined. Figure now it’s time for me to cool my heels with them for at least 6 months this time and it might yield some nice results down the road. 😉
@DeeBee78 wrote:Congrats on the progress, K! I'm tempted to hit the CLI button on my 123, but I'm using it for a massive BT consolidation that has it pegged at 80% utilization for the next three months, at least. I'll pay a chunk of it off in March, when I need a score boost for a new car loan.
Thanks (and thanks to everyone else, as well)! You may be interested to read the first post from my thread nearly a year ago. This BoA CLI-mania began with massive CLIs on 3 cards that had 70-82% utilization from balance transfers. BoA loves high utilization, as long as it's on their own cards and not across the board with other lenders as well.
@credit_endurance I think I've seen more people denied for Premium Rewards than approved; don't take it personally!
Congrats! Your track record with BOA is impressive!
Congrats Buddy🍾🎈🎉🎊. BOA obviously loves you. I am due for a cli. I’m not asking for a while. The last one was like a 130% increase. I don’t run a ton of spend on it. It won’t have any interest until December. Then I PC to a reward card. May use for a BT soon though. And for the love of god keep warm. 🌬🌞
@luxeprw9 wrote:Congrats! Your track record with BOA is impressive!
Thanks, but DW blows me out of the water! $22k - $25k with auto-CLI. Then her 3 HPs resulted in $40k, $60k, and now $70k - on a single card. Glad that credit is not a competition!
How fluid is BoA with regards to PC for cards? I plan to app for the PR card initially but I don't know if I want to keep it long term but I also acknowledge I might want to go back if I have remorse doing it. So just curious how they treat going from one card to another so to speak.
@K-in-Boston wrote:
@luxeprw9 wrote:Congrats! Your track record with BOA is impressive!
Thanks, but DW blows me out of the water! $22k - $25k with auto-CLI. Then her 3 HPs resulted in $40k, $60k, and now $70k - on a single card. Glad that credit is not a competition!
I've been following your progress because I am working on my BOA card. Based on your previous post, you indicated that BOA loves high utilization. But what about hard pulls? Are they sensitive to that? I have 6 so far (3 from BOA alone - 2 declines and 1 approval) and it's freaking me out!! I want to grow this card but I'm concerned with excessive hard pulls.
@K-in-Boston wrote:
@DeeBee78 wrote:Congrats on the progress, K! I'm tempted to hit the CLI button on my 123, but I'm using it for a massive BT consolidation that has it pegged at 80% utilization for the next three months, at least. I'll pay a chunk of it off in March, when I need a score boost for a new car loan.
Thanks (and thanks to everyone else, as well)! You may be interested to read the first post from my thread nearly a year ago. This BoA CLI-mania began with massive CLIs on 3 cards that had 70-82% utilization from balance transfers. BoA loves high utilization, as long as it's on their own cards and not across the board with other lenders as well.
@credit_endurance I think I've seen more people denied for Premium Rewards than approved; don't take it personally!
HOLY FRIGGIN CRAP, K!!!! Request 40K, got 30K, which is a 50% increase! I guess there was no need to wait until March, but there goes my spade, lol