Auto CLI's

[afbar1114]

will chase or BoA give me auto CLI's on my cards? what is the best way to use my card to gain these?

[laboi_22]

Chase never gives auto CLIs and HP on request. BofA also never gives auto CLIs but SP for requests. I used my BofA card heavily then 3 months later I asked for CLI they approved 1000 went to 5000. 3 months later I requested again they upped me to 7000. YMMV of course. I had a long history with them with my home loan account. They like usage. I recommend waiting till after you PC. I started with power rewards and PCd to 123. I love that card. I currently have cash back of $265 after 6 months of using the 123

[afbar1114]

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@laboi_22 wrote:
Chase never gives auto CLIs and HP on request. BofA also never gives auto CLIs but SP for requests. I used my BofA card heavily then 3 months later I asked for CLI they approved 1000 went to 5000. 3 months later I requested again they upped me to 7000. YMMV of course. I had a long history with them with my home loan account. They like usage. I recommend waiting till after you PC. I started with power rewards and PCd to 123. I love that card. I currently have cash back of $265 after 6 months of using the 123

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how long should i wait to pc to 123 and is it  a SP or HP...and CLI's are SP?

[laboi_22]

BofA has always been a SP for me for each CLI. YMMV. Also you can PC at anytime. It's not a HP to PC. If you want to PC call the CAs at the back door number. Also use heavily for 3 months PIF everyone and request CLI. You will get at least 3000-5000 if you do it right.

[afbar1114]

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@laboi_22 wrote:
BofA has always been a SP for me for each CLI. YMMV. Also you can PC at anytime. It's not a HP to PC. If you want to PC call the CAs at the back door number. Also use heavily for 3 months PIF everyone and request CLI. You will get at least 3000-5000 if you do it right.

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doubt it my CL is $800

[Walt_K]

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@laboi_22 wrote:
Chase never gives auto CLIs and HP on request. BofA also never gives auto CLIs but SP for requests. I used my BofA card heavily then 3 months later I asked for CLI they approved 1000 went to 5000. 3 months later I requested again they upped me to 7000. YMMV of course. I had a long history with them with my home loan account. They like usage. I recommend waiting till after you PC. I started with power rewards and PCd to 123. I love that card. I currently have cash back of $265 after 6 months of using the 123

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I have received auto CLIs on both Chase and BofA products in the past.  I used to have a US Airways Visa from Bank of America before Barclays had that card.  I received auto CLIs on that card.  I also received auto CLIs on a Buy.com visa from Chase.  This has been some time ago, probably around 2005/2006.  I no longer have any Chase/BofA products, so perhaps things have changed.

ETA: recent thread discussing Chase auto CLI http://ficoforums.myfico.com/t5/Credit-Cards/Chase-CLI-Surprise/td-p/1309583

[Anonymous]

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@Walt_K wrote:

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@laboi_22 wrote:
Chase never gives auto CLIs and HP on request. BofA also never gives auto CLIs but SP for requests. I used my BofA card heavily then 3 months later I asked for CLI they approved 1000 went to 5000. 3 months later I requested again they upped me to 7000. YMMV of course. I had a long history with them with my home loan account. They like usage. I recommend waiting till after you PC. I started with power rewards and PCd to 123. I love that card. I currently have cash back of $265 after 6 months of using the 123

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I have received auto CLIs on both Chase and BofA products in the past.  I used to have a US Airways Visa from Bank of America before Barclays had that card.  I received auto CLIs on that card.  I also received auto CLIs on a Buy.com visa from Chase.  This has been some time ago, probably around 2005/2006.  I no longer have any Chase/BofA products, so perhaps things have changed.

ETA: recent thread discussing Chase auto CLI http://ficoforums.myfico.com/t5/Credit-Cards/Chase-CLI-Surprise/td-p/1309583

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+1

BoA is hard pull for cli as of last week.

[laboi_22]

Haven't heard of Chase auto CLI or BofA CLI in years. Didn't know it was a HP for CLI. I had a SP CLI but that's been about 6 months. Appbar - I went from 1000 to 5000. You can go from 800 to 3000. Use the card. PIF call the back door request CLI. Make sure you can explain heavy inquiries though epsecially if CLIs are now HP with BofA

[afbar1114]

Should i do a pc first and then a cli

[laboi_22]

Yes PC first. Use 3 months heavy and PIF. You are more likely to get a CLI on the 123 card than a student card. Don't ask for a CLI now you're sure to be denied. Also if it's a HP now??? You don't want to waste it now. Use 3 months heavily PIF very important to PIF