Weekend Update: Almost $100k BoA + store card

[simplynoir]

Congrats on the CLIs there, sir! Goal is almost in sight...

[credit_endurance]

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@K-in-Boston wrote:

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@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.

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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!

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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. 😉

[K-in-Boston]

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@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. 

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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!

[luxeprw9]

Congrats!  Your track record with BOA is impressive!

[Anonymous]

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. 🌬🌞

[K-in-Boston]

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@luxeprw9 wrote:

Congrats!  Your track record with BOA is impressive!

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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!

[simplynoir]

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.

[Gmood1]

The B-town baller has done it again! lol
Congrats man!

[luxeprw9]

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@K-in-Boston wrote:

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@luxeprw9 wrote:

Congrats!  Your track record with BOA is impressive!

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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!

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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.

[DeeBee78]

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@K-in-Boston wrote:

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@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. 

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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!

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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