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B.O.A. CLI question

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lhcole77
Valued Contributor

Re: B.O.A. CLI question


@slap_happy wrote:

yes HP TU, I had $5k asked for 20k, got countered with 11.6k now the thing with boa is that they use the same HP for 30 days, I called back at day 28, asked for them to look at my request again and use the same HP which they did, I said that I really wanted $20k, she said she will see what she can do, came back with $14k using the same HP, that is something to keep in mind.


Really? This is great info.

Message 11 of 23
slap_happy
Frequent Contributor

Re: B.O.A. CLI question


@lhcole77 wrote:

@slap_happy wrote:

yes HP TU, I had $5k asked for 20k, got countered with 11.6k now the thing with boa is that they use the same HP for 30 days, I called back at day 28, asked for them to look at my request again and use the same HP which they did, I said that I really wanted $20k, she said she will see what she can do, came back with $14k using the same HP, that is something to keep in mind.


Really? This is great info.


im sure its a YMMV type thing but its pretty known that BOA uses the same HP for 30 days, when I called back at day 28 I asked specifically if that is true and she said "yes, we use the same HP for 30 days" it sure doesnt hurt to try the second time, again, just something to keep in mind.




Message 12 of 23
navajomyst2003
Frequent Contributor

Re: B.O.A. CLI question

Just requested 6k from 1k on my Bass Pro Shops  MC. 7-10 day message.  Smiley Frustrated


In my wallet: Cap1 Venture ($58k), Amex PRG (NPSL), Amex HH ($4K), Barclays Ring MC ($10K), Chase Sapphire Preferred ($22K), Chase SWA Visa Preferred ($7.5K), Chase United Mileage Explorer VS ($20k), Chase Marriott Rewards VS ($12K), BOA BBR MC ($41K), BOA Visa Sig Cash Rewards ($30K), Chase Ritz VS (9K), NFCU Flagship Visa ($55K), Discover It ($6K), Citi AA ($20K). Everything else in SD.

FICO goal: 800+ (as of 3-6-15: EQ FICO 774,,TU FICO 808, EX FICO 775)
Message 13 of 23
B335is
Moderator Emeritus

Re: B.O.A. CLI question

7-10 day isnt necessarily bad. Check your acct tomorrow.
Message 14 of 23
09Lexie
Moderator Emerita

Re: B.O.A. CLI question


@slap_happy wrote:

@lhcole77 wrote:

@slap_happy wrote:

yes HP TU, I had $5k asked for 20k, got countered with 11.6k now the thing with boa is that they use the same HP for 30 days, I called back at day 28, asked for them to look at my request again and use the same HP which they did, I said that I really wanted $20k, she said she will see what she can do, came back with $14k using the same HP, that is something to keep in mind.


Really? This is great info.


im sure its a YMMV type thing but its pretty known that BOA uses the same HP for 30 days, when I called back at day 28 I asked specifically if that is true and she said "yes, we use the same HP for 30 days" it sure doesnt hurt to try the second time, again, just something to keep in mind.


Yep, I asked for  $15k, then called back a week or so later and asked for  $25k on Merrill+ 

Message 15 of 23
j_casteel
Valued Contributor

Re: B.O.A. CLI question

I just asked for $20k and they countered with $15k. I was at $8.1k
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 16 of 23
rootpooty
Valued Contributor

Re: B.O.A. CLI question

Ive also had great success twice with them via recon

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 17 of 23
Marcos8
Established Contributor

Re: B.O.A. CLI question

When applying for a CLI online is the counter offer immediate similar to how Amex does it?

Message 18 of 23
j_casteel
Valued Contributor

Re: B.O.A. CLI question

Yes, it will immediately show you the new limit they give you.
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 19 of 23
j_casteel
Valued Contributor

Re: B.O.A. CLI question

Got an alert on TU today. (I already knew it would be there)
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 20 of 23
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