BOA: Combine Pulls between CLI and New Application?

[Anonymous]

Hey Guys,

So I was approved today for Merril+ Visa Signature Card (50k point after 3k spent). In my State BOA always pulls EX for new applications and TU for CLIs.  I applied via phone, CSR put me on hold and after reviewing report from TU came back and congratulated me saying that I was approved for 10K SL

I have a Cash Rewards card with them for 2+ years with a messy $1700 limit. Now does anyone know if I go online and submit a CLI request for this card would the pulls be combined?

My stats before Merril+ application are as below

Total CL - $113,300

TU FICO - 737

AAoA - 2 Years

TU INQ - 2 (12 months -1)

[Gmood1]

They'll use the same pull. Normally BofA will use the same pull for 30 days.

Be warned they may transfer limits instead of giving you an increase. I did the same thing when I got the Merrill. They moved limits from my rewards card in order to give me the limit I asked for.

I waited 4 months and did another request. That time they increased both cards limits. By the way, my Merrill SL was the same as yours 6 months ago.

[K-in-Boston]

Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.

[Anonymous]

Thank you Gmood1 and K.. I will give it a try in that case. As such I do not need an increase on my Cash Rewards, but if we can get it without any hard pull, there is absouletly no harm.

BTW I was approved for Merril+ and had it expedited by CSR, she told me it will arrive on Wednesday but I do not see my card in BOA login. Does it take time or I need to create a separate login being a Merril card?

[Gmood1]

Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.

[Credit-hoarder]

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@K-in-Boston wrote:
Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.

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I just recently (5 days ago) got an increase on my Cash Rewards to $20K up from $11.5K and they pulled TU for it + I have 2 card offers....So you're saying if I take one of the offers they'll use the TU report they pulled for my CLI 5 days ago?

[Anonymous]

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@Gmood1 wrote:

Yup the Merrill+, the same one that's in my signature. It will show up in a couple of hours. BofA system lags. CLIs normally show up slow as well.

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Alright.. I was approved earlier today and it has been almost 4 hours, still nothing there.. So yes, they seems to be slow unlike Chase and others where accounts shows up almost instantly as soon application is approved. 

[Anonymous]

Went ahead and requested a CLI on existing Cash Rewards, requested 10K and they countered at 5.5K. No signs of new pull, sweet

You guys are awesome

[Anonymous]

Reminder to all that the discussion of freezing one or more credit reports to force a creditor to pull another one is prohibited on these forums.  Thank you for your cooperation.

[K-in-Boston]

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@Credit-hoarder wrote:

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@K-in-Boston wrote:
Congrats! As Gmood1 said, they will use the same pull. Also when I did my last CLI, I got an offer for the Cash Rewards card and they ended up automatically using the same TU pull for that new app instead of doing an EX pull.

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I just recently (5 days ago) got an increase on my Cash Rewards to $20K up from $11.5K and they pulled TU for it + I have 2 card offers....So you're saying if I take one of the offers they'll use the TU report they pulled for my CLI 5 days ago?

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I know that for same-day I did not receive a 2nd pull.  I can't give any personal experience with more time on the same pull, but I know that I asked for a CLI on one card January 1st and the CLI I requested for another cash on February 28th resulted in a new pull.

Klad, congrats!  A more than 3x CLI is still great.