BOA CLI Pull from ?

[alshannan]

Hi guys,

I would like to hit cli for my BOA credit card. The last time I asked for cli was more than two years ago. The limit now on the card is 2k, and I will ask for 25k so they can give me the maximum limit. It's a soft pull, but I don't know where they are pulling from.

[K-in-Boston]

When they were still doing HPs, it was from TU unless you had recently applied for a new product in the past 30 days in which case they would reuse the EX pull.

[alshannan]

Thanks @K-in-Boston 

Great, because I was worried about Equifax, but if they don't use it, cool. Requesting a max of 25k still on the play, right? Any other tips before asking for the CLI!

[Kforce]

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@alshannan wrote:

Thanks @K-in-Boston 

Great, because I was worried about Equifax, but if they don't use it, cool. Requesting a max of 25k still on the play, right? Any other tips before asking for the CLI!

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Cross you fingers   

[Cashbackjunky]

Honestly, I always ask for $99,000. They will counter with whatever they feel you deserve

[K-in-Boston]

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@Cashbackjunky wrote:

Honestly, I always ask for $99,000. They will counter with whatever they feel you deserve

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Yeah with BoA, my advice is to always ask for the most you would be comfortable with as your credit line.  You never know!

[SweetCreditObsession]

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@Cashbackjunky wrote:

Honestly, I always ask for $99,000. They will counter with whatever they feel you deserve

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Agreed. I recently asked for 99,999 limit and they came back with 50 and change. Shoot for the 🌟.

[alshannan]

@Kforce let's hope for the best 

@K-in-Boston I will thanks

@Cashbackjunky  @SweetCreditObsession Someone on Youtube said if you ask for more than 25k they will ask you for income verification is that right?

[Cashbackjunky]

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@alshannan wrote:

@Kforce let's hope for the best 

@K-in-Boston I will thanks

@Cashbackjunky  @SweetCreditObsession Someone on Youtube said if you ask for more than 25k they will ask you for income verification is that right?

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In my experience, I've never been asked for income verification. I've not heard that about BofA, but as always YMMV

[K-in-Boston]

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@alshannan wrote:

@Kforce let's hope for the best 

@K-in-Boston I will thanks

@Cashbackjunky  @SweetCreditObsession Someone on Youtube said if you ask for more than 25k they will ask you for income verification is that right?

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BoA doesn't regularly ask for IV.  I think the most I ever asked for was $999,999 and they just sent me the same letter as usual stating my current $99,900 was sufficient.  (It's not.  I need that last $100!)  But they have never asked me for IV; in full disclosure, I do bank with them for primary checking so I suppose I am already "verified."  But I haven't really heard of anyone being asked at any specific dollar amount.