BOA Student Platinum CLI Increase (question for a friend)

[Anonymous]

My friend got a BOA Student Platinum Visa about 4 years ago when he was 18 and was provided with a reasonable $1,000 limit. About 2 years in, he did a CLI and they denied him, even though he had no negatives and always paid on time. He has a paid off $5k LOC from Chase and a paid off auto loan. This is his only credit card. He has perfect payment history, but recently his utilization has been very high (90%) due to emergency reasons. To compare, I got a Citi student about a year after (when I was 18) he got his BOA and now I have a $10k limit on it. Any suggestions on how to get a CLI would be great (hard pull is fine). 

[LS2982]

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@Anonymous wrote:

My friend got a BOA Student Platinum Visa about 4 years ago when he was 18 and was provided with a reasonable $1,000 limit. About 2 years in, he did a CLI and they denied him, even though he had no negatives and always paid on time. He has a paid off $5k LOC from Chase and a paid off auto loan. This is his only credit card. He has perfect payment history, but recently his utilization has been very high (90%) due to emergency reasons. To compare, I got a Citi student about a year after (when I was 18) he got his BOA and now I have a $10k limit on it. Any suggestions on how to get a CLI would be great (hard pull is fine). 

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Util. needs to be lower than 10%. I'd say the high util. got the denial by itself.

[jsickz32]

i have that same card and got it with that same limit when i was 18 too. i asked for a cli once a year cuz i thought thats how long you had to wait for one. i have maxed out that card couple times but always made sure the balance was 0 when asking for a cli and i was always accepted.

[Anonymous]

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@jsickz32 wrote:

i have that same card and got it with that same limit when i was 18 too. i asked for a cli once a year cuz i thought thats how long you had to wait for one. i have maxed out that card couple times but always made sure the balance was 0 when asking for a cli and i was always accepted.

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hey, thanks for the reply. what is your limit right now? i'm going to tell him to pay it off then do another request (he hasnt done it in about 2 years). 

[jsickz32]

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@Anonymous wrote:

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@jsickz32 wrote:

i have that same card and got it with that same limit when i was 18 too. i asked for a cli once a year cuz i thought thats how long you had to wait for one. i have maxed out that card couple times but always made sure the balance was 0 when asking for a cli and i was always accepted.

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hey, thanks for the reply. what is your limit right now? i'm going to tell him to pay it off then do another request (he hasnt done it in about 2 years). 

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my limit was 3k just last week but i used 2k of it to get the bofa amex. the highest limit you can go in that student card is 4k tho. if he hasnt asked for a cli in 2 years tell him to call and ask for the highest cli theyll give him but make sure his balance is zero by the closing date.

[CreditPacMan]

I have this card too. I just go it right before they discontinued it. 

Is it crucial to have it at $0 balance when requesting a CLI? 

Also are they going to do a HP ?

[jsickz32]

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@altayar wrote:

I have this card too. I just go it right before they discontinued it. 

Is it crucial to have it at $0 balance when requesting a CLI? 

Also are they going to do a HP ?

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might not be crucial but everytime "i" asked i made sure my balance was 0 by the time my statement closed. like i said ive maxed out and used the hell out of that card and had no problems getting cli. and idk if its a hard pull.

[jsickz32]

btw what interest what yall got? i got 14.99%

[CreditPacMan]

Yeah that's my interest too.

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@jsickz32 wrote:

btw what interest what yall got? i got 14.99%

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[jsickz32]

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@altayar wrote:

Yeah that's my interest too.

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@jsickz32 wrote:

btw what interest what yall got? i got 14.99%

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i wonder if thats the regular apr they give with that card. im thinking about changing mine to something else