BOA CLI?

[Dw4250]

A few questions for those who have been successful in recent times with a BOA CLI.  What was your:

a). Avg Usage/month?

b). Time since approval/last CLI (3 mos/6 mos/12 mos/etc.)?

c). UTL on both the BOA card and overall UTL at the time of request?

Thx!

[Dw4250]

Shameless bump ;-).

[09Lexie]

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@Dw4250 wrote:

A few questions for those who have been successful in recent times with a BOA CLI.  What was your:

a). Avg Usage/month?

b). Time since approval/last CLI (3 mos/6 mos/12 mos/etc.)?

c). UTL on both the BOA card and overall UTL at the time of request?

Thx!

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A. Less than $750

B.  Approved Dec 30 req Cli in Mar

C.  Cl was $10K - overall util approx 17%. Cli'd to $25k

Important to note I also added the Fid Amex at the same time in Dec. Both approved for $10k

[B335is]

I was recently approved for my 4th BoA card:

1)  Cashrewards approved 01/2012 $2.5k.  Increased to $5k 1/2013 (requested $15k).  Increased to $10k 1/2014 (requested $25k).  Moderate usage, $200/mo until I got the $5k limit, then I would carry balances with their constant 0% offers.

2)  Alaska Airlines approved 9/2013 $5k.  One $300 purchase - ever.

3)  Merrill+ approved 4/2014 $15k.  $2500 balance, taking advantage of 0%

4)  Alaska Airlines (card #2) 6/2014 $5k.  $0 balance.

BoA encourages moderate balances, I am paying the Cashrewards and Merrill+ down $500/mo a piece.  They seem to like how I'm using the cards I have since they just approved me for another one.

[Kenny]

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@B335is wrote:

I was recently approved for my 4th BoA card:

1)  Cashrewards approved 01/2012 $2.5k.  Increased to $5k 1/2013 (requested $15k).  Increased to $10k 1/2014 (requested $25k).  Moderate usage, $200/mo until I got the $5k limit, then I would carry balances with their constant 0% offers.

2)  Alaska Airlines approved 9/2013 $5k.  One $300 purchase - ever.

3)  Merrill+ approved 4/2014 $15k.  $2500 balance, taking advantage of 0%

4)  Alaska Airlines (card #2) 6/2014 $5k.  $0 balance.

BoA encourages moderate balances, I am paying the Cashrewards and Merrill+ down $500/mo a piece.  They seem to like how I'm using the cards I have since they just approved me for another one.

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Hey what's up with the 2 AA cards? for the bonus? Just curious! Nice information regarding the CLI BTW.

[eagle2013]

November 2013: Approved for Cash Rewards on recon ($1k)

March 2014: Requested CLI to $10k. ( < $500 spend on it). Approved for $3k on recon (unpaid baddie reporting)

March 2014 (two days later): Paid CO reported to TU. Requested another CLi from $3k to $10k. Approved when calling in speaking to an underwriter (asked income, assets, etc.).

May 2014: Apped for Fidelity AMEX - Approved for $5k. FIA reallocated BofA Cash Rewards limit without me knowing. Two days later requested another CLI back to $10k on Cash Rewards and was approved.

Limits - BofA Cash Rewards: $10k

              Fidelity AMEX: $5k. 

[B335is]

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@KennyRS wrote:

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@B335is wrote:

I was recently approved for my 4th BoA card:

1)  Cashrewards approved 01/2012 $2.5k.  Increased to $5k 1/2013 (requested $15k).  Increased to $10k 1/2014 (requested $25k).  Moderate usage, $200/mo until I got the $5k limit, then I would carry balances with their constant 0% offers.

2)  Alaska Airlines approved 9/2013 $5k.  One $300 purchase - ever.

3)  Merrill+ approved 4/2014 $15k.  $2500 balance, taking advantage of 0%

4)  Alaska Airlines (card #2) 6/2014 $5k.  $0 balance.

BoA encourages moderate balances, I am paying the Cashrewards and Merrill+ down $500/mo a piece.  They seem to like how I'm using the cards I have since they just approved me for another one.

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Hey what's up with the 2 AA cards? for the bonus? Just curious! Nice information regarding the CLI BTW.

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Yes, each one has been good for 30k miles!

[eddie84]

When I asked for CLI, they'd just move the CL around between all my 3 cards that I have with them. lol  And without asking you first if it's ok to do that.

[Dw4250]

Great information...thanks everyone!  It does seem like you can climb the ladder fairly quick with Bank of America.

I've had moderate usage on my BOA Travel Rewards so far (~$500/month; $5000 CL).  But it should get a good workout in Europe later this summer.  I'm trying to garden until next year, but if I can bump it up to >$10K, it may be worth another HP.

Some of you mentioned they countered your request...is this pretty common?  Does that mean I should ask for $15K if I want $10K?

[B335is]

BoA almost always hard pulls for customer initiated CLI and counters if they can. So shoot for the stars.