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I've been noticing when I log onto my B of A account, there is a link labeled "Request a Credit Line Increase" in the account summary. My CL is $7,500 with bal. of $3,720 (a 0% BT bal). This is my only CC reporting a balance since I PIF all the others before the statement drops. My total CL's are $40,050 so overall util. is 9%.
Does everyone see this or is B of A offering me a plum. I'm trying to avoid it but my curson keeps drifting over the link . . . . will they pull a hard inquiry? Will it cause a CLD? . . . . help me credit addicts, I'm losing the battle . . . :
@Itsmeagain wrote:
@BungalowMo wrote:Ummmm....what battle are you losing? You look to be sitting in a fairly winning spot to me!
***wanna trade battles??
The battle for the High Achievers Club. I've brought my scores from low 500's to where they are today in less than two years by following the advice of the posters here (and one other forum that will remain nameless). I currently have no baddies on any report but my AAoA is still too short (1.5yrs), and too many apps (18 on EQ). So, I'm in the "Credit Gardening" group now and YES!, it's a much more comfortable position than the one I just left so I don't intend to get greedy . . . just stay comfortable . . .
If your scores are mid 700's with an AAofA at 1.5 years I would say you are doing very well. As for BofA I would leave the CLI button alone until you pay off your balance. Then I would wait a bit longer. Until the smoke clears any contact with them could result in CLD.
Ummmm....what battle are you losing? You look to be sitting in a fairly winning spot to me!
***wanna trade battles??
@BungalowMo wrote:Ummmm....what battle are you losing? You look to be sitting in a fairly winning spot to me!
***wanna trade battles??
The battle for the High Achievers Club. I've brought my scores from low 500's to where they are today in less than two years by following the advice of the posters here (and one other forum that will remain nameless). I currently have no baddies on any report but my AAoA is still too short (1.5yrs), and too many apps (18 on EQ). So, I'm in the "Credit Gardening" group now and YES!, it's a much more comfortable position than the one I just left so I don't intend to get greedy . . . just stay comfortable . . .
The Luv Button at B of A was dangerous for me. Hitting the button reduced the credit lines on my three accounts from 33.2k to 14.5k. They told me that the CLI request triggered the CLD.
@Toolman wrote:The Luv Button at B of A was dangerous for me. Hitting the button reduced the credit lines on my three accounts from 33.2k to 14.5k. They told me that the CLI request triggered the CLD.
That's insidious. How did they explain that? Did they claim the button was just mislabeled and meant to read "Request a Credit Line Decrease"?
I always fear that this happens and have stayed away from any CLI requests lately. Now that I could only stop getting new cards .
Ahhhhhh . . . That did it . . . . no luv button for me . . . .
I'm going to print this and tape it to my monitor to remind me to put my trigger finger back in my pocket . . LOL
@Itsmeagain wrote:
@BungalowMo wrote:Ummmm....what battle are you losing? You look to be sitting in a fairly winning spot to me!
***wanna trade battles??
The battle for the High Achievers Club. I've brought my scores from low 500's to where they are today in less than two years by following the advice of the posters here (and one other forum that will remain nameless). I currently have no baddies on any report but my AAoA is still too short (1.5yrs), and too many apps (18 on EQ). So, I'm in the "Credit Gardening" group now and YES!, it's a much more comfortable position than the one I just left so I don't intend to get greedy . . . just stay comfortable . . .
If your scores are mid 700's with an AAofA at 1.5 years I would say you are doing very well. As for BofA I would leave the CLI button alone until you pay off your balance. Then I would wait a bit longer. Until the smoke clears any contact with them could result in CLD.