BOA CLI chances?

[youngandcreditwrthy]

Brief history:

Opened a BankAmericard in Sept 2013 with an initial $3500 CL(later recon'ed to $10k pretty easily with a HP on TU)

I used it for $9000 or so worth of BTs. Since then, I've paid the balance down to about $6000, so utilization is 60%. Monthly payments have ranged from 100-1500.

Do you all think I'd be approved for a credit line increase? My sixth statement will cut at the end of this week. I would expect to ask for a cli post sixth statement.

I am fairly certain that they would pull TU for a cli on my account. I currently have 3 inqs on TU in the past year. My TU score is 700+ and util is 10-12%. Of seventeen cards, only three have reported balances: BOA, Discover IT, and CSP.

I guess that's enough background info LOL...

If I requested a CLI to $25,000, do you all think it would be approved?

[Creditaddict]

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@youngandcreditwrthy wrote:

Brief history:

Opened a BankAmericard in Sept 2013 with an initial $3500 CL(later recon'ed to $10k pretty easily with a HP on TU)

I used it for $9000 or so worth of BTs. Since then, I've paid the balance down to about $6000, so utilization is 60%. Monthly payments have ranged from 100-1500.

Do you all think I'd be approved for a credit line increase? My sixth statement will cut at the end of this week. I would expect to ask for a cli post sixth statement.

I am fairly certain that they would pull TU for a cli on my account. I currently have 3 inqs on TU in the past year. My TU score is 700+ and util is 10-12%. Of seventeen cards, only three have reported balances: BOA, Discover IT, and CSP.

I guess that's enough background info LOL...

If I requested a CLI to $25,000, do you all think it would be approved?

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I think you might get to $15-$20k

[youngandcreditwrthy]

Thanks creditaddict!

[B335is]

I think you would get it. BoA loves use (who doesnt) and doesn't mind balances. I was able to get CLI on my Cash Rewards card just before 6 months. $1500 to $5k (asked for $10k at the time). 6 months later asked for $15k got $10k where it's at today. I carried anywhere from 10 to 25% util on it.

I think you'll get something, maybe not the full amount.

[Creditaddict]

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@Creditaddict wrote:

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@youngandcreditwrthy wrote:

Brief history:

Opened a BankAmericard in Sept 2013 with an initial $3500 CL(later recon'ed to $10k pretty easily with a HP on TU)

I used it for $9000 or so worth of BTs. Since then, I've paid the balance down to about $6000, so utilization is 60%. Monthly payments have ranged from 100-1500.

Do you all think I'd be approved for a credit line increase? My sixth statement will cut at the end of this week. I would expect to ask for a cli post sixth statement.

I am fairly certain that they would pull TU for a cli on my account. I currently have 3 inqs on TU in the past year. My TU score is 700+ and util is 10-12%. Of seventeen cards, only three have reported balances: BOA, Discover IT, and CSP.

I guess that's enough background info LOL...

If I requested a CLI to $25,000, do you all think it would be approved?

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I think you might get to $15-$20k

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just request via your online and check back next day and if they dont' up it enough, THEN call in to an analyst to have a conversation.

[youngandcreditwrthy]

Do they do SP clis at all?

I know online it says that  aCredit Report will be pulled....

[Kenny]

I got a SP CLI yesterday from 2.4k to 5.1k to answer your last question.

[Creditaddict]

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@KennyS2006 wrote:

I got a SP CLI yesterday from 2.4k to 5.1k to answer your last question.

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did you call and ask if one was available or?

do you have credit monitoring to verify you have not gotten a hp?

[Kenny]

No, I did it online and yes.. I check my credit reports daily and no HP. (It really was 2 days ago..)

[B335is]

Kenny how old was your account? I've heard of them giving SP after some time but not 6 months.